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
Say Hello to PNC Simple Checking
We’re making things simpler, without changing how you bank.
Foundation Checking will become PNC Simple Checking
While the name is changing, the features you rely on, like no overdraft fees, digital banking tools and the $5 monthly service charge will remain the same.
What's Staying the Same
- Your account number, digital tools, and digital access will remain unchanged.
- Access to digital tools. Keep using features like Zelle®[1], customizable alerts, and more in the PNC Mobile app and Online Banking.[2]
- Branch and ATM access. Enjoy coast-to-coast access to PNC branches and ATMs.[3]
- Transfers between accounts. Move money easily between your PNC accounts, just like you always have.
What's Changing November 16
- Account name. Your account will be updated to PNC Simple Checking.
- More ways to avoid the $5 monthly service charge:
If you have questions or want to explore other account options, visit your local branch or contact us.
Set Up Direct Deposit with PNC
PNC Direct Deposit makes it easy to set up deposits from your employer, pension, Social Security, or other income — all within the PNC Mobile app, with no paper forms needed.
Frequently Asked Questions
Beginning November 16, 2025, your PNC Foundation Checking account will be renamed to PNC Simple Checking. Along with the new name, we’re introducing additional options to help you avoid the $5 monthly service charge — making your account experience more flexible.
No, the monthly service charge will remain at $5. There’s no change to the amount.
No. Your account number, debit card, and how you access and use your account will remain the same.
No action is required. The update will happen automatically, and your account will continue to function as it does today.
You now have more flexibility to avoid the $5 monthly service charge if you meet any one of the following:
- Account holder is age 62 or over[4]
- Account holder is under age 25[4]
- A qualifying direct deposit to your account during the statement period[5]
These updates are designed to make managing your account easier and help you keep more of your money.
No. Any direct deposits, automatic payments, or other account activity you’ve set up will continue without interruption.
No. This update will occur automatically. Your account will continue to operate as it does today, with no changes to how you manage your everyday banking.
If you haven’t updated to the latest version of the PNC Mobile app, your account may still appear as “Foundation Checking.” Once you update the app, you’ll see the new name — PNC Simple Checking. Don’t worry, your account has already been updated, and everything will continue to work as usual.