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PNC Bank Mobile Banking
Mobile banking started in the early 2000s when smartphones began making their revolution by taking over computers. PNC Bank is taking full advantage of the switch to customers using cell phones over personal computers to stay on top of their banking needs. PNC uses a variety of different options for customers to check personal finances depending on level of comfort with the web and access to applications and Internet on a mobile phone. These include text banking, mobile web, the mobile application and mobile deposits.

Text Banking
Text banking allows non-smart phone users to still keep up with their finances, even without an Apple or Android phone. In many cases, banks have a specific 6 digit number that a customer can text to start the process. After the original text is sent, an account is texted back and verification information is required before receiving personal information. For PNC, a customer can text 762265 or "PNCBANK" to start the process.

Mobile Web
The mobile web is available for smartphone and non-smart phone users to access bank information as long as they are able to connect to the Internet through their service provider. By going to pncbank.com, a user can enter their personal account information to see a mobile version of the regular PNC website.

Mobile Application
PNC Bank created a free mobile application for PNC Bank customers to check their balance, pay bills, transfer funds, check deposits, find a location, or contact customer service. For Virtual Wallet Customers, a specific type of bank account with PNC, there is a separate application for these users to see their three different accounts (spend, reserve, and save) in one place and transfer funds between the accounts. Many PNC customers are downloading this app on their smartphone because of the accessibility to access their accounts at any time, even if they are not near a computer.

Mobile Deposits
Mobile deposits are the newest trend in mobile banking. A mobile deposit means that a user can take a picture of a check and upload it from their mobile application. Technology can recognize the check number, signature, and bank which the check originated from to provide safe and secure deposits without having to travel to a physical branch.