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 »
Enrolling with Zelle®
Enroll with Zelle® Through Your PNC Mobile App
- Log on to your PNC Mobile App with your Online Banking User ID and password.
- Tap on the menu, which is the three horizontal white bars in the upper-left corner of the screen.
- Tap on SEND MONEY WITH ZELLE®.
- Read the messages on the Zelle® enrollment screens and tap on GET STARTED.
- After reading the Terms & Conditions, tap on I AGREE.
- Choose a U.S. mobile number. Your mobile number will be used to send and receive payments. You may be asked to verify the selected mobile number. You can add a different number, tap on SKIP THIS STEP, or tap on USE THIS MOBILE NUMBER.
- Choose an email address. Your email can also be used to send and receive payments. You may be asked to verify the selected email address. You can add a different email address, tap on SKIP THIS STEP, or tap on USE THIS EMAIL ADDRESS.
- Choose a bank account to send and receive payments. Accounts can be updated in Settings. Tap on the PNC account you want to use with Zelle®.
- Review your enrollment information, then tap on SEND OR REQUEST MONEY.
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 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 introductory messages.
Download Our App to Send & Receive Money
Virtual Wallet App
PNC Mobile App
Step 2: Enter the email address or U.S. mobile number of the recipient.
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.
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: Enroll with Zelle® using the same email address and/or U.S. mobile phone number you used for PNC 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®.
In order to send a request to a U.S. mobile phone number, the mobile number must already be enrolled with Zelle®.
SPLITTING AN EXPENSE WITH ZELLE®
To split an expense with people you know and trust using Zelle®, follow the steps below.
In order to send split requests to a U.S. mobile phone number,
the mobile number must already be enrolled with Zelle®.
the mobile number must already be enrolled with Zelle®.
Step 2: Enter the amount of the expense you want to split.
Zelle® will calculate each person’s equal share.
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.
For illustrative purposes only
1
Tap on SPLIT.
For illustrative purposes only
2
To complete your split, tap on ALL DONE.
Frequently Asked Questions
Who can use Zelle®?
PNC customers with a Virtual Wallet or personal checking account, a PNC Online Banking User ID, a U.S. mobile number and/or email address, and an Apple or Android mobile device can use Zelle® to send money.
When should I not use Zelle®?
Zelle® is an easy way to send money to friends, family, or other people that you know and trust. If you do not know and trust the person, we recommend that you use another form of payment. Do not use Zelle® to send money to people you do not know and trust.
PNC and Zelle® do not offer a protection program for any authorized payments made with Zelle®. For example, if you make a purchase using Zelle®, but you do not receive the item or the item is not as described or as you expected, you will not be reimbursed for the transaction. PNC does not recommend the use of Zelle® for the buying or selling of goods and does not offer a purchase protection policy if Zelle® is used for the buying or selling of goods.
Can I use Zelle® internationally?
In order to use Zelle®, the sender's and recipient’s bank accounts must be based in the U.S. and the sender's and recipient’s phone numbers must be U.S. mobile phone numbers. Additionally, you can only send or receive money in U.S. dollars.
Are there limits to how much money I can send with Zelle®?
You can view your daily and (calendar) monthly Zelle® send limits at any time in the PNC Mobile app by tapping on CHECK MY LIMITS on the ENTER AMOUNT screen after selecting SEND and adding a recipient. Customers can view their daily and (calendar) monthly Zelle® request limits at any time in the PNC Mobile app by tapping on CHECK MY LIMITS on the ENTER AMOUNT screen after selecting REQUEST and adding a recipient. There are no limits for receiving money with Zelle®.
What will happen to PopMoney?
Zelle® has replaced PopMoney in the PNC Mobile App. However, you can continue to use PopMoney to send or receive money when you log into PNC Online Banking on a desktop computer.
How long does it take to send and receive money using Zelle®?
With Zelle®, transactions typically occur in minutes between enrolled users. If the recipient does not enroll in Zelle® within 14 days, the payment or request will expire.
Will I be charged a fee for sending money using Zelle®? Will the person to whom I’m sending money be charged a fee?
There is no fee for PNC customers using Zelle® to send or receive money.[2] If the person to whom you are sending money does not bank with PNC, we recommend they confirm with their bank or credit union that there are no additional fees.
What if the person I’m sending money to does not bank with PNC?
Zelle® is available to almost anyone with a valid U.S. checking account. If the person to whom you are sending money does not bank with PNC, that person can enroll with Zelle® through a participating financial institution. Additional information is available at www.Zellepay.com
Can I cancel a payment?
You can only cancel a payment if the person you sent money to is not enrolled with Zelle®. To check whether the payment is still pending because the recipient has not yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”
If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always make sure you use the correct email address or U.S. mobile number when sending money.
Important Legal Disclosures & Information
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. 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.
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, Face ID, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.
Google Pay and Google Play™ and Google Play logo 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.
Click here to read the Consumer Electronic Funds Transfer Disclosure Statement.
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
BBVA is a registered trademark of BBVA, S.A. and is used under license.
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.
