PNC doesn’t currently charge a fee to send or receive money with Zelle^®. However, your enrolled PNC account may incur overdraft fees, monthly service charges, and other fees as described in your account fee schedule.

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. 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.

To send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle^®.