Accessing your pay early.
Now that’s brilliant.

• Each day you work, you build up available earnings in your PNC EarnedIt account that can be transferred into your bank account, to your debit card or to your pay card. 
• These earnings update each time your employer lets us know that you have clocked out of your shift. You can transfer your money from your available earnings the next business day for no fee or transfer within minutes for a small fee. 
• The amount of available earnings you see in your PNC EarnedIt account excludes any estimated taxes, deductions and other withholdings such as garnishments. 
• Whatever money is remaining from your available earnings, after you make transfers during a pay period, will automatically be paid to you on your next payday in your paycheck. 

Important Information 

• Once you make a transfer, your direct deposit will be changed to an account PNC EarnedIt will establish for your participation in the program. On payday, PNC EarnedIt will send the remainder of your paycheck (also known as remainder pay) to the primary bank account, debit card, or pay card that you specify in your PNC EarnedIt account settings. 
• Any updates or changes to your direct deposit information must be done within your PNC EarnedIt account or there could be a delay in your pay. 

Yes, PNC EarnedIt is available on the App Store and Google Play Store. 

Enrolling in PNC EarnedIt is easy and free! You can get started by going to dailypay.tm/pnc to configure a user profile and then download the mobile app.

• To be eligible for PNC EarnedIt:

a. Your employer must offer this benefit.
b. You must have a bank account, debit card or pay card.
c. You cannot be on leave of absence.
d. You must earn less than $100 per hour or receive an annual salary of less than $200,000. If you move above the $200,000 salary or $100+ hourly base, you will no longer be eligible for PNC EarnedIt.

• Any employees who are terminated will no longer be eligible for PNC EarnedIt. 

Yes, most salaried employees are eligible for PNC EarnedIt. Salaried employees earning a base annual salary of more than $200,000 are not eligible for PNC EarnedIt. 

Yes, you need a valid email address to use PNC EarnedIt. Check your HR System to make sure your email address is correct. Contact your employer if you need help updating your email address within your systems.

The email may have gone into your “Spam” or “Trash” folders, depending on your email service provider and email preferences. Check both folders and if possible, search for the words “PNC EarnedIt.” For Gmail users: you can also search in your “All Mail” folder. If you still can’t find the email, please contact PNC EarnedIt User Support via phone, email, or chat. 

Yes, PNC EarnedIt customer support is available 24/7/365 via phone, email and live chat in English and Spanish, across multiple call centers.

• Phone: 1-866-406-8876
• Email: earnedit@dailypay.com

• With PNC EarnedIt, you will have access to your net earnings (up to a maximum of 80% of your gross pay) in the form of an available balance. Your available balance is the portion of your earnings you can transfer before payday. This portion is calculated based on your earnings as reported to PNC EarnedIt by your employer and the proprietary algorithm, which calculates the most accurate available amount for each user. You can expect to see it change over time and throughout each pay period as you work.
  • Your PNC EarnedIt available balance will always be less than your total dollars earned.
  • Only hours actually worked are included. Missed punches and unmatched punches are excluded. Accurate timecard in/out punches are imperative.
  • Vacation, Holiday and Sick Time hours are not included.
  • If you do not work hours during the pay period, you will not have available earnings. 

Please note that your employer’s payroll system may differ and that is the system that will determine how much you earn on payday.

Yes. If you did not take any transfers through PNC EarnedIt, you will receive your full paycheck on your regularly scheduled payday. PNC EarnedIt will never charge a transaction fee for sending your paycheck. 

PNC EarnedIt offers two types of transfers: Within minutes and next business day transfers. Where available, within minutes transfers are available for a fee 24/7, including nights, weekends and bank holidays. Next business day transfers requested before 11:00pm EST are available in the morning on the next business day. Business days are defined as Monday through Friday, excluding bank holidays. 

You can transfer up to $1,000 in a single day. The minimum transfer amount is $20.

You can make up to two transfers per day.

PNC EarnedIt is designed to work with those being paid via direct deposit (either to a checking account, savings account, pay card or debit card). You can start being paid via direct deposit by entering your bank information in the PNC EarnedIt app.

Your balance will be deposited into your account by the end of business on your normally scheduled payday. The exact timing will depend on your financial institution.

Depending on your bank, you might receive a notification about PNC EarnedIt after you request your first transfer and/or when you change your direct deposit information. This is called a “prenote” and is not a charge – it’s simply a way for PNC EarnedIt to verify that your account number is correct.

• By following the steps below, you may cancel your account. If you have made an earnings transfer ahead of payday, you may request PNC EarnedIt account closure at any time, but PNC EarnedIt receives one final paycheck from your employer to cover the transfers that were sent to you, passing along any remaining pay to your bank account on file.
• Once we receive this final paycheck and the account balance is covered, your account will be fully canceled. This process can take up to a couple of pay periods to ensure full account closure. Your account number on file will be automatically sent back to your employer as the deposit account on record. You do not need to update your HR system.
• PNC EarnedIt App:
  • Click the three bars at the top left corner of the home screen.
  • Click [Settings] > [Account Cancellation].
  • Review information, if you would like to continue with canceling your account, click [Proceed to cancellation].
  • Review the information, check the boxes and click [Confirm cancellation].

• After your first transfer in PNC EarnedIt, your direct deposit on file in your payroll system will change to a PNC account. You may receive a notification advising your direct deposit has changed, please note this is additional confirmation that your PNC EarnedIt account is now active.
• On payday, you will receive your full paycheck minus anything you’ve received early from PNC EarnedIt to your primary account on file. To split your pay between two accounts, please use the Automatic Savings feature. See question ‘How can I split my paycheck between two accounts?’ for details.
• Any updates to your direct deposit must be made within the PNC EarnedIt app.

Only update your direct deposit information within the PNC EarnedIt app. Do not update your direct deposit information in your HR platform if you are enrolled in and use PNC EarnedIt.

1. Log into your PNC EarnedIt app.
2. Click the 3 bars at the top left corner of the home screen.
3. Click [Settings] > [Bank Accounts] > [Add New Bank Account].
4. If this is your checking account, click [Checking]. If this is your savings account, click [Savings].
5. Add your new banking information.
6. If you would like to receive your remaining pay each pay period in this account, select the [Primary Account] checkbox.
7. Click [Submit]. You’ll be asked to verify your identity via a code sent via text.
8. Click the three dots to the right of the old account on the Bank Accounts screen. Click [Remove Bank Account]. You’ll be asked to verify your identity via a code sent via text.

If you need help, please contact PNC EarnedIt user support via phone, email, or chat. 

• Yes, you may have up to two accounts - one “primary” and one “secondary” - through the free savings feature. This is done by setting up an additional account along with a set transfer amount.
• If you already use more than two direct deposit accounts in your payroll platform (e.g. for splitting earnings), you will not have this feature after enrolling with PNC EarnedIt.

To split your pay between two accounts, you would need to utilize our Automatic Savings Feature. Follow these steps below:

1. Sign into your account.
2. Navigate to the Account Settings tab.
3. Click on Bank Account section and add banking information.
4. Navigate to the Automatic Savings section.
5. Add the dollar amount that you would like to automatically be sent to the bank account you just added.
6. Click Update Automatic Savings.