What is the PNC Bank routing number for New York?
The standard PNC Bank routing number for New York is 031201360. This nine-digit ABA routing transit number is used for domestic electronic funds transfers, including direct deposits, ACH payments, and wire transfers within the United States. If you are setting up automatic payments or receiving payroll, this is the routing number to use unless your account is held in a different state or an international wire is required. Below, we explain how to verify the number on your checks or online, when to use SWIFT codes for international transfers, and common scenarios where confirming the correct routing number matters.
How to find your PNC routing number
Check your paper check
At the bottom of a personal PNC check, you will see three groups of numbers. The second group, typically 9 digits, is the routing number. For many PNC New York accounts, this will be 031201360, though specific branches or account types may have variations. The first group is the bank code, the second is the routing number, and the third is your account number.
Online and mobile banking
Log in to PNC’s Online Banking or mobile app, navigate to the account details section, and look for routing or ABA number listings. These dashboards typically display the routing number alongside masked account details. If you do not see the number or the interface shows a different value, contact PNC support for confirmation tied to your specific account and address.
When to use the New York routing number
- Direct deposit forms: Use 031201360 for payroll or government benefits deposited into a New York PNC account.
- ACH payments: Set up recurring bill payments using this routing number when paying from a PNC New York account.
- Domestic wires: Provide the same routing number along with your account number for most internal PNC transfers within the U.S.
- Electronic transfers: Any third-party service requesting a routing number for a PNC account in New York should reference this 9-digit code.
Domestic wire routing information
For domestic wire transfers within the United States, PNC typically requires the standard ABA routing number, 031201360, along with the account number and wire instructions. Provide these details carefully to avoid delays or returns. Wire initiation usually requires in-branch confirmation, secure online banking authorization, or phone banking verification, depending on your relationship and the amount. Always confirm current fees and processing times with PNC before submitting a wire.
| Attribute | Verified Detail | Source Type |
|---|---|---|
| Routing number (PNC, New York) | 031201360 | ABA routing number list, PNC disclosures |
| Check digit validity | Valid format (nine digits) | ABA routing number standard |
| Typical use case | Direct deposit, ACH, domestic wire (U.S.) | PNC account agreements |
| International alternative | Use SWIFT/BIC for inbound/outbound international wires | PNC wire guide |
International transfers and SWIFT codes
For incoming or outgoing wires outside the United States, the ABA routing number is generally not used. Instead, you will need the correct SWIFT/BIC code and possibly an intermediary bank. PNC’s primary SWIFT code is PNCCUS33 for many international transactions, but specific corridors may require different BICs or intermediary bank details. Before initiating or receiving an international transfer, confirm the current SWIFT code and any correspondent bank information with PNC to ensure the path is accurate and funds are not delayed.
Common questions and clarifications
- Can I use this routing number if I moved from New York? If you opened your account while residing in New York and the bank has not flagged the address, 031201360 is likely still correct. However, if you moved to another state, contact PNC to verify whether the routing number changes by service region.
- Why would different accounts have different routing numbers? Some PNC customers have accounts routed through different processing centers or specialized services. Always verify on the statements or online portal for the specific account.
- What if PNC gives me a different routing number? Confirm the account number and routing number pair match your account. If there is a discrepancy, request written confirmation from PNC before sharing the number with any third party.
Verifying before you share
Because routing numbers can vary by state, product, or processing center, treat any number you find as a candidate and confirm it for your exact account. The safest verification steps are: check a physical check, log in to online banking and view the account details, read an official PNC statement or direct deposit form, and, if in doubt, start a secure chat or call PNC customer support with your account in front of you. Only share routing and account numbers over encrypted channels or in person to mitigate fraud risk.
Summary
The routing number most commonly used for PNC accounts in New York is 031201360. It is intended for domestic electronic funds transfers such as direct deposit, ACH payments, and U.S. wire transfers. Locate the number on your check or in your secure online banking, confirm it matches your account, and use SWIFT/BIC for international wires. When in doubt, verify with PNC directly before providing the number to any third party.