PNC Mobile Banking vs PCNB Mobile

Manage Accounts: - View account balances and transactions - View statements and documents - Deposit checks¹ Pay & Transfer: - Send and receive money with people and businesses you know and trust with Zelle®² - Transfer money between your PNC and external accounts.³ - Schedule and manage bill payments. - Make payments to your PNC accounts. Send Money with Zelle® - With just an email address or U.S. mobile number, you can quickly and easily send, request and receive money with people and businesses you know and trust—free in the PNC Mobile app.² Rewards - View and manage your relationship and card rewards. Profile & Settings: - Manage your personal information and account preferences. - Customize your PNC app experience. - Manage your sign in preferences and alerts. Virtual Wallet® Spending & Budgets: - View your spending and set budgets. - See where you're spending your money with categories like restaurants, gas and more. - Create budgets to help stay on track. Important Legal Disclosures & Information 1) PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. Use of the Mobile Deposit feature requires an eligible PNC Bank account and a supported camera-equipped device. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Digital Services Agreement. 2) Zelle® should only be used to send or receive money with people you know and trust. Before using Zelle® to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. To send or receive money with Zelle®, both parties must have an eligible checking or savings account at a participating financial institution in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. See the PNC Zelle Terms of Use for additional terms and conditions. Use of Zelle® is subject to and conditional upon adherence to the terms and conditions of the PNC Zelle® Terms of Use. PNC doesn’t currently charge a fee to send or receive money with Zelle®. However, your enrolled PNC account may incur overdraft fees, monthly service charges, and other fees as described in your account fee schedule. 3) There are limits to the number of transactions you can make from a savings or money market account per month. Personas and bank account information presented in images are for illustrative purposes only. Virtual Wallet is a registered mark of The PNC Financial Services Group, Inc. Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. ©2026 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC

The Putnam County National Bank App is a free mobile decision-support tool that gives you the ability to aggregate all of your financial accounts, including accounts from other financial institutions, into a single, up-to-the-minute view so you can stay organized and make smarter financial decisions. It is fast, secure and makes life easier by empowering you with the tools you need to manage your personal finances. FEATURES Multi-Account Aggregation: View all of your financial information (balances, transaction history, merchant spending averages) in one place for on-the-go organization. Alerts & Notifications: Set alerts for low funds and be notified about upcoming bills. Add Tags, Notes, Images & Geo-Information: By enhancing transactions with custom tags, notes or photos of a receipt or check, you have the ability to stay organized and find exactly what you’re looking for when searching through your finances. Contact: Locate ATMs or branches and contact Putnam County National Bank customer service directly from the app. SAFE AND SECURE The app utilizes the same bank-level security that protects you when you’re on Internet Banking. The app also features a unique 4-digit passcode setting that prevents unauthorized access. GETTING STARTED To use the Putnam County National Bank Mobile App, you must be enrolled as an Putnam County National Bank Internet Banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials. After you successfully login to the app, your accounts and transactions will begin updating.