When would you need PNC account and routing numbers? After you open a PNC Bank account, you have to deposit money. To do this you can set up a direct deposit or make an ACH transfer. You can also ask someone to wire you money. To do this you need a PNC account number and PNC routing number.

Paper check

There are different ways to find a PNC Bank account number and routing number. First old school way is to use a paper check. For this, however, you need a checkbook. Since PNC Bank doesn’t send a free checkbook, you may well not have the check book. How else can you find the numbers?

Statement of PNC Account

If you receive paper statements for your PNC Bank checking account in mail, you can try to find them there. PNC Bank, however, is notoriously bad with providing paper statements online or through mail. The only place I was able to find statements is in the PNC Bank mobile app.

PNC Bank website

Your best shot to find account number and routing number for your checking account is the PNC Bank website. You can watch my step-by-step instructions on how to find these numbers.

Find Account number and routing number in PNC Bank Mobile App

You can find your PNC account number and routing number using the PNC mobile app. It is pretty easy and straightforward. Open PNC mobile app and login. After you open the PNC mobile app, tap on your Virtual Wallet account. Then scroll down and at the very bottom find section “Account actions”. There you can find account numbers. On the account actions screen you can tap on “Account and Routing numbers”. PNC bank will ask you for additional verification. There after verification you can see the numbers. For more details watch the following video.

Unlike other banks, PNC Bank makes finding account and routing numbers very complicated. I think it is unnecessary. These numbers are mostly used to receive money and it is rarely being misused.

To electronically transfer funds from a PNC bank checking account to a Bank of America checking account, there are three main methods.

Wire transfer

The first method is to wire money from PNC Bank. The widely used process known as a “wire transfer” enables regular people like you and me to transfer money swiftly between bank accounts. This feature is accessible on the websites of large banks like Bank of America, Wells Fargo, and Chase.

PNC Bank is not as usable as other banks. Unfortunately, using the PNC website or PNC mobile app to send a wire transfer is not possible. You must call PNC Bank customer service and request the transfer in order to wire money from your PNC Virtual Wallet. You will need the recipient’s Bank of America account number and routing number. These numbers can be found in your online account on the Bank of America website. This transfer cannot be canceled, so double-check all the numbers. You’ll have to pay $30 for the transfer.

Zelle Transfer

Zelle transfer is a second option. You need the recipient’s phone number or email in order to make this transfer. You can send money to yourself if you use your own, unaffiliated email address or phone number for this. The recipient must sign up for Zelle using a different email in order to receive transfers to a Bank of America account. There is a cap on the total amount that can be transferred, but the transfer is free. Typically, the cap is less than $2,000 per month.

ACH Transfer

An ACH transfer is the third option. You must be the owner of both a PNC Bank and a Bank of America account. Linking your PNC Bank account to your Bank of America checking account is required before you can complete the transfer. You must locate your Bank of America account number and routing number in order to complete this. It is accessible through the Bank of America website or mobile app. It typically takes a few business days for the transfer to clear.

That is how you can transfer money from PNC Bank Checking account to Bank of America checking account.

When you get your new shiny GO2Bank Card you may wonder how to add money to your account. As a mobile-only bank Go2Bank doesn’t allow you to deposit money at an ATM or in a bank branch. That feature is available to customers of big banks only. For example, Chase, Bank of America, Wells Fargo. But there are 5 other ways to add money to your GO2Bank card.

Direct Deposit

The first way to add money to the Go2Bank debit card is to set up Direct Deposit from your employer. All you have to do is find the account number and routing number of your Go2Bank card. Then ask your employer to use these numbers for your direct deposit. Most often you have to file a form and the HR department handles the rest.

You may be able to set up direct deposit by yourself on your employer’s payroll provider website. The process always requires you to enter your account number, routing number, and what portion of your paycheck you want to deposited. It can be a fixed amount or some percent of your earnings.

If you are referred to Go2Bank by your friend and want to receive the signup bonus, your direct deposit should be at least $200.

Cash a paper check

If you receive a paper check in your name, you can cash it using Go2Bank mobile app. The feature is called mobile check deposit. You should take two pictures of the check from the Go2Bank mobile app. Take pictures on a dark contrasting background with good light.

Go2Bank partners with the Ingo Money service which allows you to scan the check and deposit it within 10 days. Go2Bank and Ingo Money are not charging a fee for mobile check cashing which is a very nice thing.

Deposit Cash at a Retail Location

The third way to add money to Go2Bank account is to deposit cash at a retail location at the Register. The cashier can scan the barcode and accept the cash.

The daily limit on deposits is $3,000. It is 3 times more than the majority mobile-only banks. For example, Chime limit is $1,000 per day. The limit per deposit in a retail location is $500.

You can make the deposit at retail stores like Walgreens, CVS Pharmacy, 7-Eleven, and Safeway. Go2Bank offers two ways to deposit cash.

• Swipe the card at the register. In this case you will need the actual debit card.
• Generate a special barcode and let the cashier scan it.

Then give the cash to the cashier. Money should be available within a few minutes. Regardless of the way you deposit cash, the deposit cost $5.

Transfer money from Bank Account

The fourth way to add money to Go2Bank is to transfer money from an external bank account. All you have to do is link the external bank account using a special service called Plaid. It requires you to pass authorization through your external banks form. Majority of these banks allow this, but there is one known exception. Cash App doesn’t allow you to connect using Plaid.

After you linked the external bank you can transfer money. Usually, transfers take up to 3 business days.

Transfer money from a Debit Card

Fifth way is to transfer money from a debit card. The transfer happens almost instantly but Go2Bank takes 3% commission and the minimum is $2. It is a ripoff!

These are my 5 ways to add money to Go2Bank card.

Before you transfer money link external checking account to your Wells Fargo account. After external account is linked you can transfer money from external bank account to your Wells Fargo account or from your Wells Fargo account to an external bank account.

Click on “Transfer & Pay” in the top menu and hover over “Transfer Money”

On “Transfer Money” screen your have to click on “Add account” that is placed right after “Non-Wells Fargo accounts”

On “Add Non-Wells Fargo Account” screen you have to select “Account type” and how you are going to use the external account. Select “Transfers and payments”. Then scroll down.

After you scrolled down you have to enter “Account number” and “Routing Number” of your external checking account. These numbers can be found on your paper check if you received a check book. Otherwise you can find these number on banks website or in its mobile app. Then click “Continue”.

After you clicked “Continue” Wells Fargo suggests to verify all the details of the account you want to link.

Then you have to scroll down and verify account number and routing number of your external bank account. Then click “Add Account”

After you click “Add Account” you have to wait for two trial deposits to confirm that you own the external account.

Once you receive the trial transactions in your other bank account you have to click on “Confirm the amounts”.

After you enter the numbers, you can click on “Submit”. Once the external checking account is verified, you can transfer money to your Wells Fargo account and out of your account.

Unfortunately Wells Fargo hasn’t integrated service like Plaid to instantly link external accounts.

As a new owner of Wells Fargo Checking account you may wonder how to add money to your bank account. It is a good idea to keep at least a $500 balance or set up a monthly direct deposit of $500. This way you don’t have to pay the $10 maintenance fee. First deposit can be made using your debit card or using your bank account.

ACH Transfer

You can link an external bank account. This method is called ACH Transfer, also known as automatic clear house transfer. Usually this transfer takes 2-3 business days to finalize. You can do it from your other bank or pull money using Wells Fargo. ACH transfers are free of charge, so you can use them a lot.

Deposit Paper Check or Cash

You can deposit paper checks and cash to your account. First way is to visit the Wells Fargo Bank branch and ask the teller to deposit cash or a paper check to your balance. This is an old school way that is rarely used these days. Second way is through deposit enabled ATMs. Majority of Wells Fargo ATMs allow you to deposit not only cash, but also paper checks. Third way allows you deposit only paper checks. The feature is called “mobile check deposit”. You can find it in the Wells Fargo Mobile App.

Setup Direct Deposit

If you earn money through your job or receive some benefits – you can setup direct deposit of your salary. In the case of a job, you can give a VOID check to your employer, or setup direct deposit manually through your payroll service. TO do this you’ll need the account number and routing number of your checking account.

Wire Transfer

To transfer a large amount of money to your Wells Fargo Checking Account from your external bank account, you can send money via wire transfer. You’ll need the account number and routing number of your Wells Fargo Checking Account to make it too. Wire transfers require you to pay a fee of $30 or so. The amount of fee depends on the bank from which you send the money.

Zelle Transfer

Wells Fargo is one of the founders of Zelle. No surprise it supports Zelle from the very beginning. It means you can receive money right on your checking account. For this, however, you’ll have to enroll your Wells Fargo account into Zelle service. You can use your phone number or email to identify yourself in the system. But you should be aware that Wells Fargo has certain limits on Zelle transfers.

These are 5 ways that you can use to fund your Wells Fargo Checking account.

Transfer money to and from Wells Fargo checking account maybe needed if you have an account in other bank. For example, you may want to transfer money to Cash App. When you change your bank you also have to move money between banks. You can use 2 ways to transfer money – website and mobile app.

Wells Fargo Website

First you have to open Wells Fargo website and login using your user name and password. If you enabled 2-factor authentication, you may need to enter 6-digit verification code. After you login to your Wells Fargo bank account, you can click on “Transfer & Pay” and then in the drop-down menu click on “Transfer Money”

On “Transfer Money” page select account FROM which you want to transfer money and account TO which you want to transfer money. You may need to link an external account before using it. Check how to link external bank account to your Wells Fargo account here. You must set date when to send money and set amount that you want to transfer. When everything is ready, click “Continue”

Maximum amount you can transfer per day is $5,000 and it is going to take 3 business days to finish.

You can find more detailed instructions in the following video.

Wells Fargo ACH transfer using Mobile App

Watch the following instructions on how to transfer money from and to Wells Fargo checking account using mobile application.

Is there a transfer limit for Wells Fargo?

Often banks impose limits on incoming and outgoing money transfers. Wells Fargo ACH transfer has a limit of $5,000 per day. If you want to transfer large amount of money, you may want to consider wire transfer or deposit paper check.

When you have more than one bank account and want to transfer money from one checking account to another you need a way to transfer money. Withdrawing cash from one bank and then depositing it to another has limitations. Moving large amounts of money in a bag is not a very good idea. There are few ways to safely transfer money between your bank accounts.

ACH Transfer

Banks have their limitations, but most of them support ACH transfer. You have to link your external bank account to your primary account. While big banks like Chase, Bank Of America, Wells Fargo make it easy, smaller mobile only banks can lack this functionality.

Most old school banks allow you to link external accounts manually via routing number and account number. Often the first bank makes tiny trial deposits to an external bank and requires you to submit the number. The amount of transfers is less than one dollar.

Some banks integrated third party services like Plaid. Using this service you can link external accounts instantly. Things are getting more complicated if the second bank is not supported by Plaid. For example, Chime and Varo don’t offer a manual link as a backup method. At the same time Cash App is not integrated. It means you cannot link the Cash App to Chime Bank. The only solution I’ve found is to make all transfers from the Cash App.

An ACH transfer is not an instant operation. It takes a couple of business days for banks to resolve the transfer.

Paper Check

Most banks now support mobile check deposits. The feature was introduced more than 10 years ago, and is adopted widely banks. Some banks, like Chime allow you to use this feature only if you received direct deposit. Other banks allow it from the very beginning. To deposit a paper check to your checking account, you have to snap two pictures of the check and wait a day or two till money is available.

Some banks hold money longer. For example, Varo bank holds money for 5 days. At the same time Chase bank releases money on the next day.

Additionally Mobile Check Deposit has limits on the amount of the check. It can be $2,000 or $7,500 per month.

If you don’t like the limit, you may want to visit a bank branch and ask teller to make the deposit. Keep in mind, that some ATMs accept checks.

Wire transfer

Making a wire transfer from one account to another is an easy way to move large amounts of money. The same way as ACH transfer, you’ll need routing number and account number of your other bank account. The wire transfer is made on the same business day. The only downside of wire transfer is the fee. Usually banks take $30 to $40 per wire transfer.

These ways of transferring money between banks have their pros and cons. If you are in a rush – wire transfer is the best option. However, if you don’t want to pay the $45 fee, you may want to make an ACH transfer. Transfer through paper check may be a fine option if you wait a few more days.

Some people receive paper checks often, others have never received a paper check. It all depends on your life style. Often you can receive refunds, remaining balances from accounts via paper checks. You may wonder, how to deposit these checks. There are 4 ways to deposit a paper check to your bank account.

Deposit in a bank branch

You can go to a bank and ask the teller to deposit check to your checking account. This old school way to claim payment that was sent to you via check. You visit your bank’s branch and ask cashier to make the deposit. This way takes time to go into the branch and stay in line. If it is a weekend or if you are short on time, you may want to get it done by yourself. Some banks don’t have branches. For example online-only banks like Capital One, Discover, Ally, and American Express have no branches. You can try the following ways.

Deposit check at an ATM

Modern ATMs have adopted a new feature that allows you to deposit paper checks just like a cash. You can deposit a paper check at your bank’s ATM. It is as easy as depositing cash. All you have to do is insert your debit card in the ATM, enter your PIN code and select “Deposit Cash.” When the ATM opens the slot for deposit, put the check inside. If the check is preprinted, ATM’s usually suggest the amount. If the check is handwritten, you have to enter the amount.

Most banks will make a check accessible the same day if it is less than $100. Checks for amounts greater than $100 are frequently ready the next business day. Be patient as the timeline is not guaranteed. The amount of the cheque you want to deposit is limited at ATMs. Typically, the cap is $5,000.

Make mobile check deposit

Mobile check deposit is a relatively new feature that is getting adopted by banks. Some banks call it mobile check capture or remote deposit. In 2013 only 10% of all US banks offered this feature. Now the feature is more widespread. You may also need to pass eligibility criteria. For example, Chime allows you to deposit paper checks only if you receive your salary to your Chime Spending account. Salary should come as a direct deposit. You can read more on how to mobile deposit paper check here.

Mail the check to your bank

Large checks often cannot be deposited using regular mobile check deposits. Some banks like Chime limit mobile deposits to $2,000. Chase considers checks over $7,500 as too risky and may want to receive them in mail via USPS. Other banks like Ally Bank limit checks over $50,000 as too large. It also depends on your relationship with the bank.

You can check limits of mobile deposits in my post here

Mailing a check can take a few days for the check to be delivered to your bank. It can easily take a week for the money to be added to your balance.

You can choose your preferred way to deposit a paper check based on your specific circumstances. You have to answer questions like: How urgently do you need the money? Are you “OK” to visit the bank’s branch? How big is the check?