PNC Routing Number

041000124
ACH

Routing Number 041000124 Details

Routing Number 041000124
Bank PNC
State / Region Ohio
Type ACH

Is 041000124 Valid?

Yes — 041000124 is a valid ABA routing number assigned to PNC for Ohio. It is used for ACH transfers (direct deposit, bill pay, electronic payments).

What Does 041000124 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 041000124 breaks down:

DigitsValueMeaning
1–40410Federal Reserve routing symbol (Cleveland district)
5–80012PNC institution identifier
94Check digit (validates the number)

The first two digits (04) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of Cleveland. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 041000124

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 041000124 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 Ohio, 041000124 is likely the correct number.

Other PNC Routing Numbers

Routing Number State / Region Type
031100089 Pennsylvania, New Jersey ACH
043000096 Pittsburgh ACH
054000030 Washington DC, Virginia ACH
071921891 Illinois ACH
083000108 Kentucky ACH
043002900 National Wire

Frequently Asked Questions

Yes, 041000124 is the ACH routing number for PNC in Ohio.

Routing number 041000124 belongs to PNC. It is used for Ohio.

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 041000124 to set up direct deposit for your PNC account in Ohio. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 041000124 identifies the bank and branch (PNC, Ohio), 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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