PNC Bank’s mobile deposit limit is typically $2,500 per day for PNC Simple Checking and Virtual Wallet accounts. Virtual Wallet with Performance Select receives a higher daily limit. The deposit cutoff is 10:00 PM Eastern Time on business days.
PNC Mobile Deposit Limits by Account Type
| Account | Daily Limit | Monthly Limit |
|---|---|---|
| PNC Simple Checking | $2,500 | $5,000 |
| Virtual Wallet (Spend) | $2,500 | $5,000 |
| Virtual Wallet with Performance Select | $5,000 | $10,000 |
Limits reflect typical published ranges. Individual limits may be higher or lower based on account age and history. Limits reset daily at midnight ET and monthly on your statement cycle date. Note: earlier versions of this table listed a “Virtual Wallet with Performance Spend” middle tier ($3,500/day) — live checks of pnc.com’s checking pages in September 2026 showed only the three products listed above; confirm at pnc.com whether a Performance Spend tier still exists before relying on that figure.
PNC Mobile Deposit Cutoff Time
Cutoff: 10:00 PM Eastern Time on business days
| Deposit Time | Processing Day |
|---|---|
| Before 10 PM ET on a business day | Same business day |
| After 10 PM ET on a business day | Next business day |
| Saturday, any time | Processed Monday |
| Sunday, any time | Processed Monday |
| Federal holiday, any time | Processed next business day |
Worked example: You deposit a $1,000 paycheck at 9:45 PM ET on Thursday. PNC processes it as a Thursday deposit — $275 is immediately available, and the remaining $725 clears by Friday morning. If you deposited at 10:15 PM ET, the same check is processed as a Friday deposit and the full balance is typically available by the following business day.
Funds Availability After Mobile Deposit
PNC follows federal Regulation CC availability rules:
| Check Type | First Availability |
|---|---|
| First $275 of any deposit | Immediately upon acceptance |
| Standard checks (good-standing accounts) | Next business day |
| Cashier’s, government, USPS money orders | Next business day |
| Large deposits (over $6,725) | Portion over $6,725 held up to 2 business days |
| New accounts (< 30 days old) | Up to 5 business days hold |
| Re-deposited returned checks | Up to 5 business days hold |
What PNC Mobile Deposit Accepts
Accepted check types:
- Personal checks
- Business checks
- Cashier’s checks
- Government checks (IRS refunds, Social Security, state tax refunds)
- Money orders (US Postal Service)
Not accepted via mobile deposit:
- Foreign checks (drawn on a non-US bank)
- Savings bonds
- Checks payable to a third party
- Checks already deposited elsewhere
- Checks more than 6 months old (stale-dated)
How to Deposit a Check in the PNC Mobile App
- Open the PNC Mobile Banking app
- Tap Deposit → Deposit a Check
- Select the account to deposit into (Spend, Reserve, or Growth for Virtual Wallet)
- Enter the check amount
- Photograph the front of the check on a dark, flat surface — ensure all four corners are visible
- Photograph the back of the check (endorsement required: sign and write “For PNC Mobile Deposit Only”)
- Confirm and submit before 10 PM ET for same-day processing
Write “For PNC Mobile Deposit Only” on the back before photographing — PNC may reject unendorsed checks or checks endorsed differently.
Requesting a Higher Mobile Deposit Limit
To request an increased limit:
- Call PNC customer service at 1-888-762-2265
- Request a mobile deposit limit review
- Eligibility factors: account age (90+ days), deposit history, no recent returned checks, no unresolved overdrafts
Alternatively, upgrading to Virtual Wallet with Performance Select automatically raises your limit to $5,000/day. See PNC minimum balance requirements for the qualifying thresholds.
PNC Mobile Deposit vs. Other Banks
| Bank | Standard Daily Mobile Deposit Limit |
|---|---|
| PNC (Simple Checking/Virtual Wallet) | $2,500 |
| Chase (standard) | $2,000 |
| Bank of America (standard) | $5,000 |
| Wells Fargo (standard) | $2,500 |
| US Bank (standard) | $2,500 |
See the full PNC Bank guide for ATM limits, transfer limits, and fees.
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