The PNC Bank EIN most filers need is 22-1146430, which belongs to PNC Bank, National Association — the subsidiary that runs checking, savings, mortgage, and commercial lending. If your paperwork names the parent holding company, The PNC Financial Services Group, Inc., use 25-1435979 instead.1PNC Investor Relations. Form 8-K – The PNC Financial Services Group, Inc.2U.S. Securities and Exchange Commission. SEC EDGAR Filing Detail – PNC Bank National Association The entity name on your tax document has to match the EIN, or the IRS will flag it.
Which PNC Entity Applies to You
PNC uses a holding-company structure. The publicly traded parent and the bank you actually deal with are separate legal entities, each with its own tax ID.
For a 1099, W-9, or any other information return tied to a deposit account, a loan, or a payment to or from the bank, the correct number is PNC Bank, National Association’s EIN, 22-1146430. The parent EIN, 25-1435979, appears on SEC filings and corporate-level documents and is the right choice only when your paperwork names The PNC Financial Services Group, Inc. specifically.
Other PNC Entities Have Their Own EINs
Specialized business lines run through separate subsidiaries. PNC Investments LLC, for instance, uses EIN 42-1604685 based on SEC filings.3U.S. Securities and Exchange Commission. EDGAR Filing Documents for PNC Investments LLC If you have a brokerage account through PNC’s investment arm, the banking subsidiary’s number is wrong for those forms. PNC Mortgage, state-level trust companies, and 401(k) plan administrators can also carry their own EINs; a retirement plan has a plan-level EIN separate from both the bank and the parent. The rule is simple. The entity name on your tax document must match the entity registered to the EIN you use.
When You Actually Need the Bank’s EIN
The usual reason to look up PNC’s EIN is an IRS information return. If your business paid PNC interest on a loan or paid the bank for certain services, you may need to file a Form 1099-INT or 1099-NEC. For tax years beginning in 2026, the reporting threshold for most of these forms rises from $600 to $2,000, so smaller payments no longer trigger a filing requirement.4Internal Revenue Service. Publication 1099 – General Instructions for Certain Information Returns Interest you received on a Form 1099-INT still carries the older $10 threshold.
The EIN also comes up on a Form W-9. If PNC sends you a W-9 request, the bank is asking for your TIN so it can report income it pays you.5Internal Revenue Service. About Form W-9, Request for Taxpayer Identification Number and Certification If you are the one requesting a W-9 from PNC because you paid the bank, PNC fills in its own EIN on that form. That returned W-9 is the cleanest confirmation of which subsidiary’s number belongs on your filing.
What Goes Wrong With the Wrong EIN
A name/TIN mismatch is not a minor paperwork issue. When the IRS receives an information return where the name and TIN do not match its records, it can impose penalties on the filer under Internal Revenue Code Section 6721.6Office of the Law Revision Counsel. 26 USC 6721 – Failure to File Correct Information Returns The agency’s TIN matching program flags mismatches automatically.7Internal Revenue Service. Publication 2108 – Federal Agency TIN Matching Program
Penalties are assessed per form and grow the longer the error stands:
- Corrected within 30 days of the deadline: $60 per form
- Corrected after 30 days but by August 1: $130 per form
- Still uncorrected after August 1: $340 per form
- Intentional disregard: $680 per form, with no annual cap
A missing or incorrect TIN can also trigger federal backup withholding at 24% on future reportable payments. That money goes to the IRS, and you only recover it by claiming a credit on your return. The IRS reviews penalty relief case by case, and showing that you acted responsibly, such as by requesting a W-9 before filing, is the strongest ground for a waiver.8Internal Revenue Service. 9The PNC Financial Services Group, Inc. Company Information Address the request to the tax operations department and name the subsidiary or account it concerns. For general questions, the number on the back of your PNC debit card or on your statement reaches customer service, which can route you to tax documentation. What you want in hand is a signed W-9 from the exact PNC entity named in your transaction, not a generic corporate form that may carry a different subsidiary’s EIN.