Mobile Banking

Bank Virtually Anywhere, Anytime, with the PNC Mobile App.

PNC Mobile App

To use the PNC Mobile app^[1], first enroll in PNC Online Banking.^[2]

To get started in Online Banking, enroll here, or download the PNC Mobile App and tap enroll.

With the PNC Mobile App, you can:

Manage your accounts: Check your balance, view transactions and easily transfer funds between PNC and non-PNC accounts^[3]
Deposit checks on the go^[1]: Snap a picture of your check to deposit funds and you may have an option to access your money faster, with a fee, using PNC Express Funds ^[4].
Pay bills: Add your bills and make one-time or recurring bill payments^[5].
Send and receive money with Zelle^®: With just an email address, U.S. mobile phone number, or Zelle^® QR Code, you can quickly send and receive money with people and eligible businesses you know and trust—it’s fast, easy, and free in the PNC Mobile app^[6].

Pay with a tap: Link your eligible PNC credit or debit card to a mobile wallet to help make shopping in-store, in-app or online a breeze.
Enjoy rewards: View, activate and redeem Purchase Payback^®^[7] offers.
Customize your card: Upgrade your card design for free. Choose from options like sports, universities, military branches and LGBTQ+.
Know who has your card info: Easily view a list of merchants where you have shared your card information for purchases or recurring transactions – all in one place. Go to Cards > Digital Card Management to view your list.^[8]

Lock your card in real time: Use PNC Easy Lock^®[9] to lock your debit or credit card, keeping it from being used for new purchases, cash advances or withdrawals.
Set a travel notification: Set a notification for travel plans including dates and locations to help avoid your transactions or ATM withdrawals from being flagged as fraudulent.
Take control: Keep track of how, when and where your PNC accounts are accessed with the PNC Control Hub.
Connect with PNC: Request help through the PNC Help Center by sending a message through the app, requesting a call, scheduling an appointment or tweeting PNC.

manage
pay
secure

Introducing Paze^SM

A new, convenient way to check out online. Paze makes it fast and easy to check out online without sharing your actual card numbers.

Convenient to Use

No separate username or password^[10] and no need to manually enter debit or credit card numbers.
Your eligible debit or credit cards from PNC and other financial institutions are consolidated in one place, so you can check out online at participating merchants.

Added Security at Checkout

Paze provides added security at checkout because it replaces your card numbers with different numbers. It does not share your actual card numbers with merchants.

Easy to Manage

No need to download a new app.
Easily review, add or remove eligible PNC cards simply through the PNC Mobile app.

Learn more about Paze

PNC Low Cash Mode®

Everyone can have a Low Cash Moment, we're here to help if you do.

$0 non-sufficient funds fee
Maximum one $36 overdraft item fee per day
Customized alerts when your balance is low
24 hours minimum Extra Time to bring your balance to at least zero^[11]

Built on patents-pending technology, Low Cash Mode comes with PNC’s industry-leading Virtual Wallet^®and is available through the PNC Mobile app^[12,1]

Learn more

Bank at your convenience using the PNC Mobile app with your smartphone or tablet.

Hablas Espanol?

Go to Profile & Settings, then App Language and choose Spanish.

Need Help?

Search our FAQ or talk to a Customer Care Representative

Additional Mobile & Digital Banking Services

Text Banking

Quickly get a response on your available balance and last 5 transactions over text.^[13]

Text Banking

PNC Voice Banking

Get immediate access to a variety of PNC Bank account related information right over the phone.

PNC Voice Banking

Alerts

Easily monitor your accounts with account and security alerts^[14] sent via email or text message.

Alerts

Related Resources

SUPPORT

Customer Service

We are here to assist with your questions and listen to your feedback.

Learn More

SERVICES

Digital Banking

PNC can help make it easier to manage your money with our financial tools and technology.

Learn More

SECURITY

Security & Privacy

We are committed to protecting the security and confidentiality of your information.

Learn More

PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.
Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.
PNC limits the number of transfers that may be made from a savings or money market account. PNC limits the number of transfers that may be made from a savings or money market account without incurring fee. Please see your account agreement and fee schedule for more information..
After capturing your check images, if the check qualifies, we will offer the choice between standard funds availability at no charge or PNC Express Funds for a fee.

The fee for PNC Express Funds is 2% of each check amount over $100. For any check amount from $25 to $100, a $2 fee will apply to each check.

If a check is returned due to insufficient funds, PNC will not debit your account.

If your deposit is completed before 10 p.m. ET on a business day, your funds will also be available to pay checks or items during nightly processing. If your deposit is completed after 10 p.m. ET, your funds will be available to pay checks or items presented on the next business day.

Please note that Funds you deposit by check may be available after the Standard Funds Availability date in certain circumstances. For example, availability may be delayed if PNC has reason to believe a check you have deposited will not be paid or if your checks deposited on any one business day total $50,000 or more. For more examples, you may refer to your PNC Funds Availability Policy and other notifications for additional information regarding delays to the availability of deposits.

Note: With Standard Funds Availability (no charge), checks drawn on PNC will be available the evening of your deposit to pay checks or items processed that evening for posting if your deposit is completed by 10 p.m. ET. Deposits completed after 10 p.m. on a business day and deposits completed on non-business days will be considered to be made on the next business day. See the PNC Funds Availability Policy for exceptions and details. All deposits are subject to verification and may be adjusted upon review.
Online Bill Pay is a service within PNC Online Banking that is available for residents within the US who have a qualifying checking account. We reserve the right to decline or revoke access to this service. Payments to billers outside of the United States or its territories are prohibited through this service. Tax payments, payments to settle securities transactions, and court ordered payments may be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk.
Zelle® should only be used to send or receive money with people you know and trust. Before using Zelle® to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Zelle® is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. See the PNC Zelle Terms of Use for additional terms and conditions. Use of Zelle® is subject to and conditional upon adherence to the terms and conditions of the PNC Zelle® Terms of Use.
Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa Card to make purchases. Not everyone will get the same offer. See PNC Purchase Payback Rewards Program Terms and Conditions for additional details and limitations.
This list of merchants is provided for informational purposes only and includes merchants where your card information has been used during the past 13 months. This may not be a complete list of all merchants where your card information likely is or has been stored.
PNC Easy Lock is not a replacement for reporting your debit or credit card lost or stolen. If you believe your debit or credit card has been lost or stolen, please contact PNC immediately at 1-888-762-2265 and continue to monitor your account activity for unauthorized transactions.
Some merchants may require that an account be created with them before Paze^SM can be used at checkout. Paze may not always be available during checkout for a given merchant. Enrollment in PNC Online Banking is required to use Paze. Terms and conditions and certain eligibility criteria apply. For more information, review your agreement for PNC Online Banking services.
In order to avoid overdraft fees, you must bring the available balance in your account to at least $0 before your Extra Time expires. If you make a deposit, the time it takes for your deposit to be reflected in your available balance and for those funds to become available to you will vary based on the deposit type and time. Depending on your deposit type or your deposit time, your deposit may not be available before your Extra Time period expires, and you may incur overdraft fees. See your Funds Availability policy for more information. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.
Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
Your wireless carrier may charge you standard text message rates. Text Banking also available in Spanish
PNC Alerts are free to customers. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply.

Low Cash Mode is a registered mark of The PNC Financial Services Group, Inc.

Apple, Apple Watch, iCloud, Mac, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, Face ID, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Android is a trademark of Google LLC.

Google Pay and Google Play™ and Google Play logo are trademarks of Google LLC.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.

PNC Easy Lock is a service mark of The PNC Financial Services Group, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC.

Visa is a registered trademark of Visa International Service Association and used under license.

Paze^SM and the Paze^SM related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

PNC’s terms and conditions applicable to Paze can be found in your agreement for PNC Online and Mobile Banking services.

You can find general Paze Terms & Conditions and Paze Privacy Notice at Paze.com.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.

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Mobile Banking

Bank Virtually Anywhere, Anytime, with the PNC Mobile App.

PNC Mobile App

To use the PNC Mobile app^[1], first enroll in PNC Online Banking.^[2]

With the PNC Mobile App, you can: