PNC Routing Number

043000096
ACH

Routing Number 043000096 Details

Routing Number 043000096
Bank PNC
State / Region Pittsburgh
Type ACH

Is 043000096 Valid?

Yes — 043000096 is a valid ABA routing number assigned to PNC for Pittsburgh. It is used for ACH transfers (direct deposit, bill pay, electronic payments).

What Does 043000096 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 043000096 breaks down:

DigitsValueMeaning
1–40430Federal Reserve routing symbol (Cleveland district)
5–80009PNC institution identifier
96Check 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 043000096

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 043000096 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 Pittsburgh, 043000096 is likely the correct number.

Other PNC Routing Numbers

Routing Number State / Region Type
031100089 Pennsylvania, New Jersey ACH
041000124 Ohio ACH
054000030 Washington DC, Virginia ACH
071921891 Illinois ACH
083000108 Kentucky ACH
043002900 National Wire

Frequently Asked Questions

Yes, 043000096 is the ACH routing number for PNC in Pittsburgh.

Routing number 043000096 belongs to PNC. It is used for Pittsburgh.

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 043000096 to set up direct deposit for your PNC account in Pittsburgh. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 043000096 identifies the bank and branch (PNC, Pittsburgh), 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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