PNC Mobile Deposit Clearing Time: Next-Business-Day Availability

The standard PNC mobile deposit clearing time is the next business day for deposits completed before 10:00 p.m. ET, with a paid PNC Express Funds option available for immediate access to the full amount of certain checks.

What is the PNC mobile deposit clearing time?

For standard funds availability, deposits completed before 10:00 p.m. ET on a business day will generally be available the next business day at no charge. If you need money faster, PNC Express Funds offers an option, for a fee, to make the full amount of certain check deposits immediately available for withdrawals and purchases. This is the most direct answer to the question of pnc mobile deposit clearing time.

PNC's official cutoff time and business day definition

PNC's official cut-off time for mobile deposits to be considered received on the current business day is 10:00 p.m. ET. Deposits made after the 10:00 p.m. ET cut-off time or on a non-business day will be considered received on the next business day. Every day except Saturday, Sunday, and federal holidays is considered a business day. Deposits made during business hours (Monday through Friday) tend to clear faster than those made outside business hours or on weekends. For checks drawn on PNC Bank, funds deposited before 10:00 p.m. ET on a business day will be available the evening of your deposit to pay checks or items presented that evening for posting, with the remaining funds available on the first business day after the business day of your deposit for all purposes.

How to get your money instantly with PNC Express Funds

This option is available when depositing a check through the PNC Mobile app, at a PNC DepositEasy℠ ATM, or with a teller. If you need immediate access to the funds from your mobile check deposit, this is the feature to use, and it is a key part of any comprehensive mobile check deposit help resource.

When PNC can delay your mobile deposit

Funds you deposit by check may be delayed for a longer period under certain circumstances. These specific, verified circumstances from PNC's policy include:

If PNC believes a check you deposited will not be paid.
If you deposit checks totaling $50,000 or more on any one business day.
If you redeposit a check that has been returned unpaid.
If you have overdrawn your account repeatedly in the last six months.
If the account has been open for less than 30 days.
If a national disaster or other emergency creates delays.
Larger check amounts may require additional verification and approval before they are cleared.
Account history and relationship length with PNC can affect clearing speed.

How to make a PNC mobile deposit step by step

Sign in to the PNC Mobile app and select 'Mobile Deposit' from the main menu.
Endorse the check by signing your name and writing "For Mobile Deposit Only" on the back.
Choose the account for deposit.
Enter the check amount.
Take clear photos of the front and back of the endorsed check.
Review the information and confirm the deposit.

It is recommended to keep the paper check in a safe place for at least 30 days after submitting the deposit. A confirmation email is provided for each deposit. Connectivity issues (weak or unstable internet connection) can delay processing.

PNC mobile deposit limits and requirements

An eligible PNC Bank account and PNC Online Banking are required to use the Mobile Deposit feature. PNC Mobile Banking apps are supported on Android and iOS devices. Mobile deposit limits vary by customer and account type and can be viewed within the PNC Mobile app by selecting "Deposit". For personal accounts, common mobile deposit limits are $2,500 per day and $5,000 per month for accounts open 30 days or longer. For personal accounts open fewer than 30 days, the mobile deposit limit is typically $1,000 per day and $2,500 per month.

Frequently Asked Questions

Can I deposit a check made out to someone else using PNC mobile deposit?

No. PNC mobile deposit requires the check to be made payable to you and endorsed with your signature and "For Mobile Deposit Only." Third-party checks are not eligible for mobile deposit.

What happens if the photos of my check are blurry?

Blurry or incomplete images can cause processing delays or result in the deposit being rejected. Ensure the entire check is in frame and the images are clear before submitting.

Are there any fees associated with PNC mobile deposits?

PNC does not charge a fee for the standard mobile deposit feature. The PNC Express Funds option for immediate availability does carry a fee, which is disclosed at the time of the deposit.

How do I find my specific mobile deposit limit?

Your individual daily and monthly mobile deposit limits can be viewed within the PNC Mobile app by selecting "Deposit" and following the prompts. Limits are based on your account type and history.