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An Easy Way To Send Money  

With Zelle® and PNC, sending money is easy. With just an email address or U.S. mobile phone number, you can quickly send money to people you know and trust, regardless of where they bank in the U.S.[1]

Before you can use Zelle with PNC, you will need:

A PNC Virtual Wallet or a PNC Personal Checking account.

You can use your existing PNC Virtual Wallet® or PNC Personal Checking account. If you do not have a Virtual Wallet or a PNC Personal Checking account, apply for one here »

A PNC Online Banking
User ID.

To set up a PNC Online Banking User ID, you need to be enrolled in PNC Online Banking. If you are not enrolled in PNC Online Banking, enroll here »

A PNC mobile app installed on your Apple or Android mobile device.

Enroll in Zelle by using a PNC mobile app. If you do not have either the PNC Virtual Wallet App or the PNC Mobile[2] App, download your preferred PNC app here »

Enrolling in Zelle

Sending Money with Zelle

To send money to people you know and trust using Zelle, follow the steps below.



Step 1: Access Zelle from your preferred PNC mobile app.

Use Zelle with the PNC Mobile App or the PNC Virtual Wallet App.

How to access Zelle from your PNC Mobile App:

1

Tap on the three bars in the upper left-hand corner. This will take you to the menu in the app.

2

Tap on SEND MONEY WITH ZELLE.

3

Tap on GET STARTED after reading the alerts.

Download Our App to Send & Receive Money

Virtual Wallet App

 

PNC Mobile App

How to access Zelle from your PNC Virtual Wallet App:

1

Tap on the three bars in the lower right-hand corner. This will take you to the menu in the app.

2

Tap on SEND MONEY WITH ZELLE.

3

Tap on GET STARTED after reading the alerts.

Step 2: Enter the email address or U.S. mobile number of the recipient.

You can send money to almost anyone you know and trust with a U.S. checking account.

PNC Mobile App:

1

Tap on SEND.

2

Tap on the name of the person in your contact list
to whom you want to send money.

PNC Virtual Wallet App:

1

Tap on SEND.

2

Tap on the name of the person in your contact list
to whom you want to send money.

Step 3: Enter the amount you want to send.

Your recipient receives a text or email notification explaining how to complete the payment.

PNC Mobile App:

1

Enter the amount of money you want to send, then tap on REVIEW.

2

Tap on SEND after you complete your review of the recipient's name, email address, and/or U.S. mobile phone number.

3

When the transaction is complete, tap on ALL DONE.

PNC Virtual Wallet App:

1

Enter the amount of money you want to send, then tap on REVIEW.

2

Tap on SEND after you complete your review of the recipient's name, email address, and/or U.S. mobile phone number.

3

When the transaction is complete, tap on ALL DONE.

Receiving Money with Zelle

Already Enrolled?

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into the checking account associated with your Zelle profile, typically within minutes.

Need to Enroll?

If you are not enrolled with Zelle, simply click on the link provided in your text or email payment notification, then follow the instructions on the page to enroll and receive your payment.

NOTE: Make sure to enroll in Zelle with the same email address and/or U.S. mobile phone number you used for online banking to receive funds from the sender. You have 14 calendar days to respond to a Zelle notification. After 14 days, the payment will expire and the sender will need to resend the funds.

REQUESTING MONEY WITH ZELLE

To request money from people you know and trust using Zelle, follow the steps below.
In order 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 preferred PNC mobile app.

Use Zelle with the PNC Mobile App or the PNC Virtual Wallet App

PNC Mobile App:

1

Tap on REQUEST.

2

Tap on the name of the person in your contact list who owes you money, then tap on CONTINUE.

PNC Virtual Wallet App:

1

Tap on REQUEST.

2

Tap on the name of the person in your contact list who owes you money, then tap on CONTINUE.

Step 2:  Enter the amount of money you are owed.

PNC Mobile App:

Tap on REVIEW.  You can add a message to your recipient(s) on the following screen.

PNC Virtual Wallet App:

Tap on REVIEW.  You can add a message to your recipient(s) on the following screen.

Step 3:  Complete your request. 

Your contact receives a text or email notification explaining how to send you money.
Your recipient has 14 days to respond to your request before it expires.

PNC Mobile App:

1

Tap on REQUEST.

2

To complete your request, tap on ALL DONE.

PNC Virtual Wallet App:

1

Tap on REQUEST.

2

To complete your request, tap on ALL DONE.

SPLITTING A PAYMENT WITH ZELLE

To split a payment with people you know and trust using Zelle, follow the steps below.
In order to send split payment requests to a U.S. mobile phone number,
the mobile number must already be enrolled with Zelle.

 

Step 1:  Access Zelle from your preferred PNC mobile app.

Use Zelle with the PNC Mobile App or the PNC Virtual Wallet App.

PNC Mobile App:

1

Tap on SPLIT.

2

Tap on one or more names—up to ten—in your contact list with whom you want to split a payment, then tap on CONTINUE.

PNC Virtual Wallet App:

1

Tap on SPLIT.

2

Tap on one or more names—up to ten—in your contact list with whom you want to split a payment, then tap on CONTINUE.

Step 2:  Enter the amount of the payment you want to split.

The app will calculate each person’s equal share, or you can change each amount if it is not an even split.

PNC Mobile App:


For illustrative purposes only

Tap on REVIEW.  You can add a message to your recipient(s) on the following screen.

PNC Virtual Wallet App:


For illustrative purposes only

Tap on REVIEW.  You can add a message to your recipient(s) on the following screen.

Step 3:  Review and complete your request.

A text or an email notification explaining how to split a payment will be sent to the person or people with whom you are splitting a payment.
Each person has 14 days to respond to your split request before it expires.

PNC Mobile App:


For illustrative purposes only

1

Tap on SPLIT.


For illustrative purposes only

2

To complete your split, tap on ALL DONE.

PNC Virtual Wallet App:


For illustrative purposes only

1

Tap on SPLIT.


For illustrative purposes only

2

To complete your split, tap on SPLIT one more time.

Learn How to Easily Send and Receive Money Using Zelle

Frequently Asked Questions 

Related Resources

 

Important Legal Disclosures & Information

  1. 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 a protection program for authorized payments made with Zelle. Zelle is available to almost anyone with a bank account 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.

  2. 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.

Apple, Apple Watch, iCloud, Mac, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, FaceID, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Google Pay and Google Play™ store are trademarks of Google LLC.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

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.

The PNC Financial Services Group, Inc. All rights reserved.