PNC Routing Number

031100089
ACH

Routing Number 031100089 Details

Routing Number 031100089
Bank PNC
State / Region Pennsylvania, New Jersey
Type ACH

Is 031100089 Valid?

Yes — 031100089 is a valid ABA routing number assigned to PNC for Pennsylvania, New Jersey. It is used for ACH transfers (direct deposit, bill pay, electronic payments).

What Does 031100089 Mean?

Every ABA routing number is a 9-digit code that identifies both the Federal Reserve district and the specific financial institution. Here's how 031100089 breaks down:

DigitsValueMeaning
1–40311Federal Reserve routing symbol (Philadelphia district)
5–80008PNC institution identifier
99Check digit (validates the number)

The first two digits (03) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of Philadelphia. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 031100089

This is an ACH-only routing number. PNC uses a separate routing number for wire transfers.

ACH Transfers

  • Direct deposit (payroll)
  • Bill payments
  • Tax refunds
  • Recurring transfers

Typically 1–3 business days. Free or low-cost.

Wire Transfers

  • Large one-time payments
  • Real estate closings
  • International transfers
  • Time-sensitive payments

Same-day settlement. Usually $15–$30 fee.

How to Find Your PNC Routing Number

If you need to verify that 031100089 is the correct routing number for your account, you can check in several places:

  1. Your checkbook — The routing number is the first 9 digits at the bottom-left of any personal check, before your account number.
  2. Online banking — Log in to PNC and look under account details or settings.
  3. Mobile app — Most banking apps show the routing number on the account summary screen.
  4. Customer service — Call PNC to confirm over the phone.

Your routing number is based on the state where you opened your account, not your current address. If you opened your PNC account in Pennsylvania, New Jersey, 031100089 is likely the correct number.

Other PNC Routing Numbers

Routing Number State / Region Type
041000124 Ohio ACH
043000096 Pittsburgh ACH
054000030 Washington DC, Virginia ACH
071921891 Illinois ACH
083000108 Kentucky ACH
043002900 National Wire

Frequently Asked Questions

Yes, 031100089 is the ACH routing number for PNC in Pennsylvania, New Jersey.

Routing number 031100089 belongs to PNC. It is used for Pennsylvania, New Jersey.

This routing number is used for ACH transfers including direct deposit, bill payments, and electronic transfers. For wire transfers, PNC may use a different routing number.

Yes, you can use 031100089 to set up direct deposit for your PNC account in Pennsylvania, New Jersey. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 031100089 identifies the bank and branch (PNC, Pennsylvania, New Jersey), while your account number identifies your specific account at that bank. Both are needed for transfers. On a check, the routing number is the first 9 digits at the bottom left, followed by your account number.

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