PNC Mobile

PNC Bank, N.A.

About this app

Check balances & recent transactions – See current account activity for your checking, savings, credit card and loan accounts.

Protect your accounts – Set up fingerprint or Face Authentication to securely sign on to the app. Or, reset your password quickly and conveniently if you need to.

Send money with Zelle® – Send money simply, to people you know and trust (i) using your
mobile number or email address.

Transfer funds – Transfer funds between eligible PNC accounts and external bank accounts (ii).

Make deposits – Deposit checks quickly and easily with your Android device (iii).

Pay bills – Add your bills and make one-time or recurring bill payments right from the app.

Manage your cards – View and manage your PNC credit, debit and SmartAccess® cards and make in-store payments with PNC Pay right from the app.

Lock your cards – Easily lock or unlock your PNC debit card or credit card if you misplace it.

Locate PNC – Locate the nearest PNC ATM or branch using our location services, or search by zip code and street address.

If you have Virtual Wallet®, you’ll have access to more tools and insights to help you work toward your financial goals.

See what’s free to spend – Your Scheduled Out subtracts known bills and expenses from your available checking account balance to show you what’s free to spend, which we call your Free Balance. You’ll also see potential Danger Days℠, which is when your account is at risk of being overdrawn.

Visualize your money – Use Money Bar® to see how much is available to spend with your Free Balance, what you’ve scheduled for bills and how much you’ve set aside for goals.

Know your activity – Use the Calendar to see upcoming paydays and payments, and view a history of your transactions. You can pay bills, schedule bill reminders, track external payments, view potential Danger Days and more.

Track your spending & set budgets – See where you're spending your money with categories like restaurants, gas and more. Then, create budgets to know if you’re staying on track.

Make saving easier – Create savings goals to work toward your goals and keep track of your progress along the way. Set up automatic rules to regularly transfer money to your savings, like once a week or when you receive a paycheck. Make saving fun using your personalized piggy bank to transfer money to your savings.

With PNC’s Security and Privacy, you can be confident that your personal and financial information will be protected while using our app.

(i) 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 offer 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.
(ii) There are limits to the number of transactions you can make from a savings or money market account per month.
(iii) PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. 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.

Virtual Wallet, PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc. ©2025 The PNC
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Ratings and reviews

The app hangs and crashes 50% of the time when I try launching it. I usually have to open and close it 4-5 times before it actually loads. While abroad, the app can randomly ask you for a 2FA code from your phone, so if you're using a temporary sim card, you're screwed. It would be nice to be able to get a code via email instead. I've found a workaround where you just close and reopen the app a couple of times and it will eventually just give up asking for 2FA and just accept a fingerprint scan

When the app works, it does most of what you would want out of a banking app. I frequently am unable to log in due to "No Network Connection" when I am on multi-gigabit Wi-Fi or getting errors within the app when trying to deposit funds. Biometrics also frequently reset and you have to set it back up often. If they could fix those bugs, it would be a totally usable banking app. As-is, it's pretty hard to continue using PNC.

after logging in, it will often just shut off. I am asked to take a pic of my check multiple times till it registers it (I've tried all kinds of ways to get it to work the first time). half the time I go to login, it's either being worked on or says it's temporarily out of service for the time and I have to try again later. it's not a reliable app at all. if you need to check something right away, don't bother.....going to a bank might just be quicker. what's the point in the app then?

What’s new

Thank you for using the PNC Mobile app. This update includes user experience enhancements.