Before choosing to return an item, you should consider rules the payee may have or actions the payee may take on late/returned payments. PNC is not responsible for satisfying any obligations between you and the payee or any other party with respect to an item you decide to return. ![]() You may still have an obligation to pay the payee for goods, services or other products. When you choose to return an item that has been presented to PNC for payment, we will return the item to the payee’s bank for insufficient funds, and the payee will not receive payment from PNC. Debit card transactions do not qualify for Payment Control. Payment Control applies to certain individual checks, and payments made using your routing and checking account numbers (ACH transactions). If you have a Virtual Wallet product with a Spend only, you can set up Overdraft Protection. Please note that Overdraft Protection is not available for your Reserve and Growth accounts. ![]() If you have a Virtual Wallet product with Spend, Reserve and Growth, you do not need to sign up for Overdraft Protection. With Virtual Wallet, if you overdraw your Spend account, PNC will transfer available funds from your Reserve and/or Growth accounts to cover your transaction. ![]() When there's an insufficient available balance in your checking account to pay for any item, funds, if available, are transferred from the protecting account to cover your purchases. A PNC savings account or money market deposit account.Set up Overdraft Protection to link your checking account with up to two other eligible PNC accounts (called your Protecting Accounts) so that you can use available funds to cover overdrafts.
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