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 2.50% 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.

Please note that Funds you deposit by check may be available after the Standard Funds Availability date in certain circumstances. For example, availability may be delayed if PNC has reason to believe a check you have deposited will not be paid or if your checks deposited on any one business day total $50,000 or more. For more examples, you may refer to your PNC Funds Availability Policy and other notifications for additional information regarding delays to the availability of deposits.

With Standard Funds Availability (no charge), checks drawn on PNC will be available the evening of your deposit to pay checks or items processed that evening for posting if your deposit is completed by 10 p.m. ET. Deposits completed after 10 p.m. on a business day and deposits completed on non-business days will be considered to be made on the next business day. See the PNC Funds Availability Policy for exceptions and details. All deposits are subject to verification and may be adjusted upon review.