How long does it take for a check to clear at pnc bank if it is out of state?

Answer 1

Our Funds Availability Policy provides detailed information

about when funds you deposit will become available for your use. This policy is in effect for accounts opened in all PNC Bank markets. Please take a moment to review this Policy. By understanding how we make your deposits of non-cash

items available, it will be easier for you to manage your account and realize all the benefits of banking with PNC

Bank. Determining Availability of a Deposit We determine availability by counting the number of business days from the business day of your deposit. Every day except Saturday, Sunday and a federal holiday

is a business day.

If you make a deposit through one of our branch tellers, ATM, mobile device, remote deposit scanner or by mail before our cut-off time, we will consider that day to be the

day of your deposit. However, if you make a deposit after our cut-off time or on a day that is not a business day, we will consider the deposit as being made on the next business day that we are open. Our cut-off time for branches will not be earlier than 2:00 p.m., but may vary by branch. The cut-off time for PNC Bank ATMs will be no

earlier than 12:00 Noon, but may vary by location. The

cut-off time for non-PNC Bank ATMs is 3:00 p.m. The cut- off time for a mobile device and a remote deposit scanner

is 10:00 p.m. Deposits made through our night depository after 6:00 a.m. may be processed on the next business day. Availability varies depending on the type of deposit and is explained below. Checks drawn on banks located outside of the United States are not subject to this availability Policy. Please

inquire regarding availability at the time you make such

deposits. Initial $100 of Your Deposit The initial $100 of any deposit will be available on the

evening of your deposit to pay checks or items that are

presented to us that evening for posting. The balance of

the $100, if any, will be available on the first business day after the business day of your deposit for all purposes. The remaining balance of your total deposit will be available according to the availability provisions for such

deposits as otherwise stated in this Policy.

Same Day Availability

Funds from the following deposits are available on the

same business day as the day of their deposit:

• All cash deposits made to a PNC Bank teller and

PNC ATMs equipped with currency validation

technology

• Wire Transfers

• Electronic deposits Note: Following is our general funds availability; however, please refer to our "Large Dollar Deposits" section below for availability of deposits that equal or exceed $50,000 and to the "Special Rules for New

Account Holders" section for availability of deposits

for new account holders. Next Day Availability

If you make a deposit of checks or money orders before

the cut-off time on a business day that we are open, funds

from your deposit of checks or money orders will be

available as follows:

• Checks or money orders drawn on PNC Bank will be available on the evening of your deposit to

pay checks or items that are presented to us that

evening for posting. The remaining funds will be

available on the first business day after the

business day of your deposit for all purposes.

• All other deposits of checks or money orders will be available on the first business day after the

business day of your deposit for all purposes. Large Dollar Deposits

If your total deposits of checks, excluding the items listed

in the "Items Excluded from Large Dollar Deposit Calculation" section later in this Policy, on any one

business day, prior to our cut-off time, equal or exceed

$50,000, then, $100 will be available the first business day after the business day of your deposit for all purposes, and

any remaining funds will be available the second business day after the business day of deposit for all purposes. As an example, if your total deposit equals or exceeds

$50,000: 2-Day Availability (Eligible deposits of checks or money orders) Monday Tuesday Wednesday

Day of deposit 1st business day 2nd business day

Check is deposited Additional $100 is Deposit is fully

- initial $100 available for all available for all available in posting purposes purposes EFORM126823

Effective October 9, 2012Items Excluded from Large Dollar Deposit Calculation: a. Cash;

b. Wire transfers;

c. Electronic deposits;

d. The initial $100 of any deposit;

e. Checks and money orders drawn on PNC Bank;

f. U. S. Treasury checks payable to you;

g. Federal Reserve Bank checks, Federal Home

Loan Bank checks and U.S. Postal Service

money orders payable to you;

h. State and local government checks that are

payable to you, if you use a special deposit ticket

available upon request at a PNC Bank branch

office;

i. Non-PNC Bank cashier's, certified, and teller's

checks that are payable to you, if you use a

special deposit ticket available upon request at a

PNC Bank branch office. You are required to separate checks requiring special deposit tickets from other checks you are depositing. If you do not use a special deposit ticket for checks as noted

above, or if you use a special deposit ticket

inappropriately, your check deposit will be treated like any other check. Special Rules for New Account Holders

For purposes of this Funds Availability Policy, a "new

account holder" is defined as a customer who does not have a PNC Bank checking account that has been open

for more than 30 calendar days. If you are a new account holder, the following rules will apply when a deposit is made during the first 30 calendar days your account is open. All deposits not discussed in this section will be

available as described elsewhere in this Policy. A. Funds from travelers checks deposited with a special deposit ticket, funds from deposits outlined as items

"e" through "i" in the "Items Excluded from Large

Dollar Deposit Calculation" section above, and $100

from deposited checks or items will be available on

the first business day after the business day of your

deposit for all purposes. B. Funds from checks will be available on the second

business day after the business day of your deposit

for all purposes. After the new account period has ended, funds from your deposits will be available according to our general policy. Longer Delays May Apply

Funds you deposit by check may be delayed for a longer period under the following circumstances:

• We believe a check you deposited will not be paid

• You redeposit a check that has been returned

unpaid

• You have overdrawn your account repeatedly in

the last six months

• There is an emergency such as a failure of

communications or computer equipment

We will notify you of the delay in your ability to withdraw

funds for any of the reasons listed, and we will tell you when the funds will be available. In this case, funds from

the deposit of checks will usually be available no later than

the fifth business day after the business day of your deposit for all purposes. Deposits at Non-PNC Bank ATMs

If you make a deposit at an ATM that we do not own or operate, which are those not branded as PNC Bank, funds

from any deposits (cash or check) will be available the

fourth business day after the day of your deposit for all purposes. This rule does not apply at ATMs that we own or operate. Other restrictions are set forth in the Electronic Funds Transfer Disclosure Statement Brochure. Refusal of a Deposit We continue to reserve the right not to accept deposits. In

some circumstances, items unacceptable for deposit, such

as a mutilated check, may be processed as collection

items. Accelerated Availability

If you make a deposit of checks or money orders on a

business day that we are open, we may make part of your deposit available to you sooner than otherwise stated in

this Policy. The balance of your deposit will become

available according to the other terms of this Policy. Endorsement

It is important that you place your endorsement carefully on the back of all checks you are depositing. A 1 1/2 inch

area has been designated for your endorsement. Please

ask your PNC Bank customer service representative about proper placement of your endorsement. If our endorsement is illegible because you have endorsed the

check in the wrong location, you will be liable for any

resulting losses. Your Responsibility You agree that PNC Bank may deduct the amount of a

deposited check from your account balance if PNC Bank

receives notice that the check has not been paid. PNC

Bank may make this deduction even if the unpaid check has not yet been returned to the Bank. You agree that PNC Bank may charge an unpaid check against your account even if PNC Bank could claim reimbursement for

the check from the bank on which the check was drawn or

from some other bank. You agree that PNC Bank may

charge a check back even if the charge results in an

overdraft.

If you have any further questions about this Funds Availability Policy, please contact your local branch or call our toll-free customer service line at 1-888-PNC-BANK

(1-888-762-2265).

2012 The PNC Financial Services Group, Inc. All rights reserved