Depending on your payer and their system, it can take anywhere from a day to a few weeks. Confirm with your employer or payer how long you may need to wait.

For Social Security or other payments made by the government through Go Direct, it typically takes one to two pay cycles, or four to six weeks, to process. You might get one or two more paper checks before your direct deposit begins.

Direct Deposit involves coordination between your payer and your PNC account. As a result, it can be confusing trying to understand who to contact for assistance. The guidance below may help clarify where to go for support.

• For assistance with setting up Direct Deposit, contact your employer to determine what they need.
• For newly set up direct deposit you haven't received after a few weeks, contact your employer first to check their processing time and confirm your information.
• If you are missing an expected direct deposit, contact us first so we can begin the research. If you need to contact your employer, we’ll let you know.
• Switching banks or employers? If so, try the steps in the Switch Direct Deposit section of this page. If that doesn’t work, contact us.
• For issues or questions about your pay amount, contact your employer.

PNC's Virtual Wallet^® products will waive the monthly service charge with qualifying direct deposits. The amount of deposits and monthly service charge fee can vary depending on the type of Virtual Wallet product. Check your Consumer Fee Schedule for your fee and ways to waive it.

Direct deposit isn’t the only way to waive the monthly service charge fee – check your Consumer Fee Schedule for a complete list of ways.

Alerts^[1] can notify you by email and/or text message when funds are deposited to your PNC account, including by direct deposit. The alerts feature also offers many other notification options to keep you informed and in control of your money. 

It typically takes 1 – 2 pay periods for your direct deposit to become active, you’ll know if it’s active when you receive the funds on your payday.

There are thousands of employers supporting close to 80% of payees in the United States.  If you can’t find your employer or payroll provider, you can submit a copy of the PDF form on pnc.com to your employer for processing.