PNC Bank updated its mobile banking iPhone app with the mobile check deposit feature that now allows PNC customers to deposit checks remotely.

PNC Bank (NYSE: PNC) quietly launches mobile check deposits for customers who use the native PNC Bank Mobile Banking application for Apple’s iPhone.

After installing an updated version of the app, the feature allows customers to deposit a check remotely by using a smartphone’s camera to take photos of the front and backs sides of an endorsed check.

Pittsburgh, Pennsylvania-based PNC Bank has over 5 million consumer and small business customers with $182 billion in total deposits as of March 31, 2011. With the release of this feature, PNC Bank joins Chase and U.S. Bank among the top 10 banks to offer remote deposit capture via mobile devices.

The launch of the mobile check deposit feature would a play a role in reducing visits to PNC Bank’s 2,512 branches and 6,472 ATMs across 15 states and the District of Columbia.

Bank of America, Capital One, and ING Direct are some of the largest U.S. banks that are also working on developing the mobile check deposit feature – slated for launch within the next 12 months.

Deposit Limits

Security and check fraud are among the top concerns regarding the mobile check deposit feature. Therefore, many banks will place limits on the amount funds that can be deposited via remote deposit capture.

According to a PNC customer service representative, if a PNC account is opened for more than 90 days, customers can deposit a maximum of $1,000 per day and a maximum of $3,000 per month.

If a PNC account is opened for less than 90 days, customers can deposit a maximum of $500 per day and a maximum of $1,000 per month.

When the limits are reached, the PNC Mobile Banking app will tell customers to visit a branch or ATM to deposit checks.

The mobile check deposit feature has not yet launched on other smartphone platforms – including Android – yet.

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Simon Zhen

Simon is a research analyst for MyBankTracker. He is an expert on consumer banking products, bank innovations and financial technology.
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  • Sdefbn

    Weak!  I have been able to do this for over 2 years with my bank.  Which is not even listed in the article.  I can also deposit up to $5000 per deposit per day.  It was also based on my credit with the bank, whom I’ve been with for 12 years or so.  Pick up the pace PNC….

    • Rdemiglio

      What bank?

    • jjjjj


  • Guest

    we want android