![]() See the PNC Funds Availability Policy for exceptions and details. on a business day and deposits completed on non-business days will be considered to be made on the next business day. Note: With Standard Funds Availability (no charge), checks drawn on PNC will be available the evening of your deposit to pay checks or items processed that evening for posting if your deposit is completed by 10 p.m. For more examples, you may refer to your PNC Funds Availability Policy and other notifications for additional information regarding delays to the availability of deposits. For example, availability may be delayed if PNC has reason to believe a check you have deposited will not be paid or if your checks deposited on any one business day total $50,000 or more. ![]() Please note that Funds you deposit by check may be available after the Standard Funds Availability date in certain circumstances. ET, your funds will be available to pay checks or items presented on the next business day. If your deposit is completed after 10 p.m. ET on a business day, your funds will also be available to pay checks or items during nightly processing. If your deposit is completed before 10 p.m. If a check is returned due to insufficient funds, PNC will not debit your account. For any check amount from $25 to $100, a $2 fee will apply to each check. The fee for PNC Express Funds is 2% of each check amount over $100. By law you cannot be held responsible for more than $50 in fraudulent purchases made on a debit or credit card.After capturing your check images, if the check qualifies, we will offer the choice between standard funds availability at no charge or PNC Express Funds for a fee. Credit card companies are more likely to reimburse you for all purchases made as a result of fraud. Fewer protections than credit cards: Debit cards may have fewer protections against fraud than credit cards.Rewards programs that offer cash back and travel points are more common among credit cards. Fewer perks than credit cards: Although some debit cards have modest rewards programs, they generally don't offer as many perks as credit cards.Could incur fees: Using a debit card can entail fees, including overdraft fees when you withdraw more than the amount you have in your account, and ATM fees when you use an ATM outside your bank's network.If you need to finance a purchase to pay it off over time, you cannot use a debt card. ![]() Limits expenditures to cash in bank and/or a daily amount: When you use a debit card, you can only spend up to the amount of money you already have.You don't have to apply and get approved for debit cards like you do with credit cards. If you have a checking account, you can get a debit card. Easier qualifications than credit cards: Debit cards are easier to get if you have poor credit.(However, some overdraft protection plans allow you to spend past your limit, but you must repay the balance quickly and you will likely incur a fee.) So, you won't go into debt using a debit card. Doesn't incur debt: With debit cards, you are effectively making purchases in cash-with money you already have, as opposed to money borrowed on credit.While lost or stolen cash is gone forever, a lost or stolen debit card can be reported to the bank, which can deactivate the card, remove any fraudulent transactions from the cardholder’s account, and issue a new card. Transactions made with a debit cards appear on the account holder’s monthly statement, making it easy to see where the money went. Safer than cash: Debits are considerably safer than cash. ![]()
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