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.
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
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 »
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.
The app will calculate each person’s equal share, or you can change each amount if it is not an even split.
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.
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.
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.
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.
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.
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.
There is no fee for PNC customers using Zelle to send or receive money. 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.
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.
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.
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
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