Mobile Deposit

Safe. Secure. Convenient. 

With PNC's mobile banking apps[1], you can securely deposit checks and access funds using your tablet or mobile phone.


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Enroll in Online Banking to take advantage of mobile banking

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Download one of our mobile apps to start using mobile deposit

PNC Express Funds

PNC Express Funds

Now there’s a solution when you need your funds immediately.

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Access Your Money Faster!

Deposit Checks with your Smartphone

PNC customers deposit on average over 2 million checks per month[2] using their mobile devices!

See how easily you can deposit a check right from your smartphone — quickly, conveniently, and securely with mobile deposit and our mobile banking apps.

With our standard funds availability, deposits completed before 10 p.m. ET on a business day will be available the next day at no charge[3].

Mobile Deposit FAQs »

How to Access Your Money Faster with PNC Express Funds

When you deposit an approved check from your mobile phone or a PNC DepositEasy℠ ATM, PNC Express Funds gives you the option, for a fee, to make the full amount available immediately for withdrawals and purchases.[4]

PNC Express Funds is convenient when:

  • You want the peace of mind that the money will be available right away
  • A bill is due
  • You need access to your deposited check funds immediately

How it Works

1. Make a mobile or ATM deposit[4]

2. Choose standard funds availability or PNC Express Funds.

3. Acknowledge fee if using PNC Express Funds

4. Use your money for withdrawals and purchases immediately[5] or wait for standard access to funds

Frequently Asked Questions

Important Legal Disclosures and Information

  1. 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.

  2. Average monthly usage determined as of 11/1/19.

  3. See the PNC Funds Availability Policy for certain exceptions and details. All deposits are subject to verification and may be adjusted upon review.

  4. Only available at PNC DepositEasy℠ ATMs

  5. 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 the 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.

    Note: With standard funds availability (no charge), checks drawn on PNC will be available the evening of your deposit to pay checks or items presented that evening for posting if your deposit is completed by 10 p.m. ET.

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

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.