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. To send or receive money with Zelle®, both parties must have an eligible checking or savings account at a participating financial institution 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
Your Guide to Using
Review this page to learn how to use Zelle® with people and eligible businesses you know and trust.[1]
Enroll with Zelle® in the PNC Mobile App[2]
If you don’t have the PNC Mobile app, download it from Google Play or the App Store, then follow the steps to enroll with Zelle®.
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How to Use Zelle®
Review these short videos to learn how to Enroll with Zelle®, Send Money with Zelle®, Receive Money with Zelle®, Request Money with Zelle®, and Split an Expense with Zelle®.
How to Enroll with Zelle®
How to Send Money with Zelle®
How to Receive Money with Zelle®
How to Request Money with Zelle®
How to Split an Expense with Zelle®
Send Money with Zelle®
To send money to people you know and trust using Zelle®, follow the steps below.
If you're sending money to someone for the first time, you'll be asked to verify that it's you by entering your ATM or Voice Banking PIN, or a One-time Passcode.
- Step 1: Access Zelle® from your PNC Mobile App.
- Step 2: Enter the email address or U.S. mobile number of the recipient.
- Step 3: Enter the amount you want to send.
Use Zelle® with the PNC Mobile App.
Receive Money with Zelle®
NOTE: Enroll with Zelle® using the same email address or U.S. mobile phone number the payment was sent to. You may need to add that contact info to your PNC Online Banking account. After you enroll, you can view the payment in your Zelle® Activity and your PNC Account Activity.
Unenrolled recipients have 14 calendar days to respond to a Zelle® payment notification—if you don’t enroll with Zelle® within 14 days, the payment will expire, and the sender will need to resend the money.
Request Money with Zelle®
To request money from people you know and trust with Zelle®, follow the steps below.
To send a request to a U.S. mobile phone number, the mobile number must already be enrolled with Zelle®.
- Step 1: Access Zelle® from your PNC mobile app.
- Step 2: Enter the amount you're requesting.
- Step 3: Complete your request.
Use Zelle® with the PNC Mobile App.
Split an Expense with Zelle®
To split an expense with people you know and trust using Zelle®, follow the steps below.
To send a request to a U.S. mobile phone number, the mobile number must already be enrolled with Zelle®.
- Step 1: Access Zelle® from your PNC Mobile App.
- Step 2: Enter the amount of the expense you want to split.
- Step 3: Review and complete your request.
Use Zelle® with the PNC Mobile App.
Use Zelle® QR Codes
A quick and contactless way to send and receive money without entering or sharing your U.S. mobile number or email address.
Have peace of mind knowing you're sending money to the correct person, without typing an email address or U.S. mobile number. From the PNC Mobile App, you can scan a Zelle® QR Code, easily find a friend, family member, or eligible business—and quickly send them money.
Benefits
- Getting started is easy. The next time you need to pay someone, just ask for their Zelle® QR Code.
- Requesting money is easy—just share your Zelle® QR Code.
- Send money faster by eliminating the need to manually enter contact information.
Remember to only use Zelle® with people and eligible businesses you know and trust.
