Banks (DMV) · Bank · Private litigation
PNC Bank
Headline
Buried alongside PNC's standard arbitration clause is something broader: a 'PUBLIC INJUNCTIVE RELIEF WAIVER.'
Not independently verified. Verification status: Unverified - heuristic first draft. Publish state: draft unverified.
Buried alongside PNC's standard arbitration clause is something broader: a 'PUBLIC INJUNCTIVE RELIEF WAIVER.' A normal class-action waiver stops you from suing on behalf of OTHER CUSTOMERS. This one can stop you from even asking a court to order PNC to change a practice for the benefit of the PUBLIC AT LARGE — not just compensation for yourself, but the ability to make PNC stop doing something to everyone.
- Severity
- Evidence tierUnassigned
- Claims confirmed
- Last verified2026-08-04
Case status. Private litigation; no sources are on file yet, so no legal tier is assigned.
Primary source. None recorded — Unverified - heuristic first draft.
Terms
Arbitration
Binding arbitration provision (pages 16–18 of the Account Agreement effective September 20, 2026) with an explicit Right to Opt Out section, plus a separate 'Public Injunctive Relief Waiver' — broader than a standard class-action waiver, worth flagging since it can affect a customer's ability to seek injunctions on behalf of the public.
Data sharing
Collects geolocation data via mobile app (e.g., nearest-ATM lookups) explicitly tagged as personally identifiable; uses cookies/clickstream tools, some hosted by third-party vendors, for analytics, advertising personalization, and fraud prevention; monitors/records digital and phone communications.
Fees and billing
Standard checking/savings/CD fee schedules; Virtual Wallet product has its own fee sheet.
Contacts
Privacy contact. Not recorded.
Legal notice. Not verified this pass. If publicly traded: SEC Form 10-K cover page gives the official corporate address; the Secretary of State business-entity search in the state of incorporation gives the registered agent, which must accept service. If private: the state registered agent is usually the only reliable route.
Mailing address. Not recorded.
Evidence
No claims have been itemized for this row yet.
No sources are on file for this row yet.
Source vault
Link status: Candidate - not yet fetched
| Document | Last fetch | |
|---|---|---|
| Privacy policy pnc.com/en/privacy-policy.html | Not fetched yet | NO (HTML only) |
| Terms of service pnc.com/content/dam/pnc-com/pdf/personal/Checking/Account-Agreement-Personal-Accounts.pdf | Not fetched yet | YES |
| Website No URL recorded | Not fetched yet | — |
| Primary source No URL recorded Verification: Unverified - heuristic first draft | Not fetched yet | — |
Enforcement
No enforcement actions are linked to this row.
State statute
No HQ state on file, so no state statute applies by headquarters.