PNC Bank announced the launch of PNC TotalRewards, a new relationship-based loyalty program designed to give clients more value, transparency and ways to strengthen their financial wellbeing. The program represents a significant step forward in PNC's strategy to become clients' primary bank by earning their trust, meeting their needs and rewarding them for the full breadth of their financial relationship.

PNC TotalRewards provides clients with a clear, simple way to see the benefits they receive as a client of PNC and how they can earn even greater benefits as they grow their relationship. All consumer clients have ways to avoid select fees based on account types and activity, opportunities to earn points or cash on eligible PNC credit cards and additional relationship‑based rewards. This helps to ensure that every client receives meaningful advantages from day one, with even greater rewards available as their relationship with PNC grows.

"PNC TotalRewards is developed around the idea of building a true partnership with our clients," said Alex Overstrom, head of Retail Banking at PNC. "When someone chooses PNC, we want them to feel the full value of that relationship. Not only in exceptional service and hospitality, but also in the meaningful financial benefits that come from building a relationship at PNC."

Clients who maintain an average eligible balance of $25,000 or more across eligible deposit and investment accounts may enroll in the Silver, Gold or Platinum tiers, which provide added value across products and services, including enhanced credit card rewards, cash rewards on certain lending solutions and elevated savings rates. Eligibility is based on a 90‑day Average Eligible Balance of $25,000, $100,000, or $500,000 for the Silver, Gold and Platinum tiers, respectively. Clients who qualify for the Gold and Platinum tiers will also gain access to PNC's Priority or Concierge Care Center.

PNC began an employee pilot of the program in May 2025 and recently introduced it to clients across the Chicago region in late February. The phased rollout has allowed the bank to gather early feedback and client insights to improve on the experience as it plans to roll out the program nationally later this Spring.

"PNC TotalRewards gives us the opportunity to show clients their relationship genuinely matters," said Victoria Dravneek, head of PNC Loyalty Strategy and Platforms. "We've designed the program to provide tangible, straightforward benefits and to give clients more control over how they earn and use their rewards. It reflects who we are as a bank and the experience we want every client to have."