$5,000combined average monthly balance in your Spend and up to 7 linked PNC bank consumer checking accounts to avoid monthly maintenance fee, Need to call PNC for the APY offered in your area, $500 daily deposit balance to avoid monthly maintenance fee. Originator is also authorized to initiate debit entries to reverse or adjust any credits or overpayments Wanted a bank rather than, NetSpend, etc, though funds are deposited 2 days early, unlike PNC. Bank deposit products and services provided by PNC Bank, National Association. PNC's mobile deposit, which can be used by any customer with access to PNC Online Banking and an eligible deposit account, allows customers to make deposits anywhere at any time. s op fened a Visa Clearspend prepaid card. With the PNC Cash RewardsVisaCredit Card. Start the conversation with a PNC Mortgage loan officer. Catch up on Select's in-depth coverage ofpersonal finance,tech and tools,wellnessand more, and follow us onFacebook,InstagramandTwitterto stay up to date. I love the Smart Access Card. I receive my direct deposits, I can use it at the gas pump, I can buy all my needs in store, online, and over the phone, so it's a perfect card for simple people. from an eligible PNC checking or savings account using PNC Online . Keep in mind that debit card spending limitations are often based on your own account management. "Mobile deposit is another way that PNC makes it easier for customers to achieve their financial goals with innovative products and new technology.". Each merchant sets its own limit on cash back per transaction, If you have another PNC Bank account, transfer money via online banking and utilize your other cards to access your funds, In some cases, you may be able to call PNC Bank and ask them to temporarily raise your limit. Once you've created. Touch device users, explore by touch or with swipe gestures. Current version is unusable. Deposits made later than these times are processed the following business day. [2] 24/7 toll free customer service at 866-304-2818. Member FDIC In Case of Errors or Questions about Your Transactions While the SmartAccess card and Foundation Checking are available within most PNC markets, interested individuals should check with their local branch or servicing center for more information. Its an app that people can use just like a regular wallet to store their card details and information. Please refer to thePNC SmartAccess Terms and Conditionsfor details. Whether you select a Virtual Wallet with Spend only or add Reserve and Growth for planning, saving and protection, Virtual Wallet works as a powerful solution for today's banking needs. 3. And, getting credit on disputed charges is impossible! Bank deposit products and services provided by PNC Bank, National Association. I am a credit union member, but I do prefer my prepaid card from PNC because it's everything I need, I can't overdraft which is good, and it's smart and simple with a low $5.00 fee. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms, and may be considered taxable income to you. We earn a commission from affiliate partners on many offers and links. User IDs potentially containing sensitive information will not be saved. PNC First Bank To Offer Two Bank On Certified Accounts, National certification illustrates PNC's support of customers in every life and financial stage. I got the card and funded it with $25 .A few days later I log into my account and it was closed. MemberFDIC. Product: PNC Prepaid Cards. That said, there are still competitive brick-and-mortar banks that offer checking accounts with options to waive monthly fees if you meet certain requirements. For Virtual Wallet with Performance Select, the calculation of the $5,000 combined monthly checking balance requirement includes the total of all funds in the Spend and Reserve from this package, and up to 6 linked benefit accounts if they are checking accounts. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). With the PNC SmartAccess Mobile App[2], access your card information right from your fingertips. In 2010, PNC added new features to Virtual Wallet that help customers save more, manage spending and avoid mistakes. Prepaid Debit Card vs. Credit Card Whats the Better Choice? PITTSBURGH, March 30, 2021 /PRNewswire/ --PNC Bank, N.A. PNC product and feature availability varies by location. Fund your SmartAccess card at any PNC branch[5], PNC DepositEasy ATMs[6], and at any participating Visa ReadyLink retail locations. DO NOT check this box if you are using a public computer. Select independently determines what we cover and recommend. If your card (or its number) is lost or stolen, your money will be replaced if you notify us promptly of its unauthorized use.[4]. All loans are provided by PNC Bank, National Association and are subject to credit approval and property appraisal. Apple, Apple Watch, iCloud, Mac, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Convenient to Use Pay Bills * It's easy to deposit in as well as transferring funds into it if you have a checking or savings account. 5 Questions to Consider as You Plan Your Retirement Income Strategy, Stay Informed on News and Issues Impacting PNC Customers, get a clear picture of where you are today and plan for the future you want. Spend, save and grow your money with Virtual Wallet. Can You Open a Bank Account Online Without Going To the Bank? For existing PNC banking customers or those in its service area, the card can be a good choice among prepaid cards. Email and text alert notifications for certain card activity. 10 Not-So-Obvious Money Tips for Empty Nesters. Mobile App. I wouldnt recommended this company to anyone! Virtual Wallet with Performance Select Features and Fees. CNBC Select will update as changes are made public. Lisa Cahill, Credit Cards Moderator. Theres no charge either way. Download for iPhone or Android, You can access your money fee-free at nearly 18,000 PNC ATMs across the country, The monthly fee is waived for primary cardholders who are employed at PNC. U.S. Bank is a Member FDIC. WalletHub makes it easy to compare Prepaid Debit Cards across many companies. 8 Surprising Things You Can Do Without Going Into a Bank. With hundreds or thousands of physical branches scattered across the U.S., customers can deposit and withdraw money by visiting a teller inside or via a drive-up window or ATM machine. Low Cash Mode. @lisacahill 05/13/20. No notice and no reason. So, I was on PNC and came across the SmartAccess. Bank of America is a Member FDIC. Cash. "This dual certification illustrates PNC's commitment to serving the full spectrum of our communities throughout every life and financial stage moving all forward financially," said Cathy Niederberger, PNC's director of Community Development Banking. Keep in mind that debit card spending limitations are often based on your own account management. It's easy to deposit in as well as transferring funds into it if you have a checking or savings account. You can load cash to the card for free at PNC branches and ATMs. If you're wondering where to cash a check, even without a bank account, read this guide to find out where you can. There is no inactivity fee, but the PNC SmartAccess card will charge $10 to refund the card balance if the card is canceled. But, where some prepaidcards offer to waive the monthly fee, theres no way to waive the monthly fee with PNCs card. The customer first selects the deposit account and the amount, photographs the front of the check and then the back. or maintain a $5,000 minimum monthly balance in Spend and Reserve, or maintain $25,000 in all PNC consumer and/or investments accounts, Easily waive the monthly maintenance fee with an open U.S. Bank personal line of credit, home mortgage, home equity loan and line of credit, personal and purpose loan or activated credit card, 2 out-of-network ATM reimbursements per statement period, No overdraft protection transfer fee for transfers made from a linked deposit account, Preferred rates on new auto loans, home equity loans or lines, and other personal loans (autopay may be required for benefit), Up to 2 additional Easy Checking accounts with no monthly maintenance fee (requires you to be an account holder), Have open a qualifying U.S. Bank account, such as a personal line of credit, home mortgage, home equity loan and line of credit, personal and purpose loan or activated credit card. Access your supported PNC Bank accounts from anywhere! With the PNC SmartAccess Prepaid Visa Card mobile app from PNC Bank, you can now access your prepaid card information from your mobile device so you can bank on the go! I do not recommend PNC. Thankfully I found their back office number.Maybe it will help someone else. or make qualifying direct deposits totaling $500 or more, or have a linked Wells Fargo Campus ATM Card or Campus Debit Card (for college students). An initial minimum load of $25 is required. While there are several good no-fee checking accounts out there, most checking accounts come with standard fees. Again, PNC reserves the right to set it based on your banking relationship with them. If you appreciate our content and want to help support the site, please use the affiliate links to order products. In 2006, PNC introduced remote deposit for business customers. The PNC SmartAccess prepaid card is pretty basic. PNC Mortgage is a division of PNC Bank, National Association, a subsidiary of PNC. Online banks often offer customers better rates and lower fees since big banks have to recoup overhead costs to keep physical branches up and running. Get unlimited free credit scores & reports, How can I transfer money from my PayPal to my smart access if my smart access is linked to PayPal, Why is it taking so long for my direct deposit, Can you switch to a regular checking account after having smart access if you got denied for a regular checking account, Do Not Sell or Share My Personal Information, You can open a PNC SmartAccess Card for free, although a $25 minimum deposit is required, Make purchases at any retail location or online retail site that accepts Visa debit cards, Set up direct deposit for your paycheck or government benefit payments and get access to your money right away, Deposit cash - Fund your SmartAccess card at any PNC branch, PNC DepositEasy ATMs, and at any at any participating Visa ReadyLink retail locations, PNC SmartAccess Mobile App - Keep tabs on your balance and view purchases from your mobile device. How is the PN. Advertiser Disclosure: This site may be compensated in exchange for your clicking on links posted on this website. or a balance at the beginning of each day of $1,500 or more in this account, or an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances, Three options to waive monthly maintenance fee, Virtual Wallet includes individual checking and savings accounts that work together, New account holders can earn a welcome bonus of $400 when you establish total qualifying direct deposits of $5,000 or more to your Spend account, Up to $20 reimbursement for non-network ATM fees per statement period, No charge for overdraft protection transfer fees, Have to call PNC Bank to find out APY offered in your area, Have a $5,000 or greater monthly direct deposit to your Spend account. Best at Bank of America: Bank of America Advantage Plus Banking. Just a simple application with a social security number. If the recipient has not enrolled, the payment will expire after 14 calendar days. She earned her BA from the University of West Florida and her MA from Full Sail University. Step 1: Add your card information (routing and direct deposit number) to your tax form Step 2: Select "checking" as your refund type on your tax form Step 3: Access your tax refund sooner when it is deposited directly to your Smart Access Prepaid Visa Card Everyday purchases made easy It lacks some features that users might find important, however. (205) 297-3000 its the corporate office in Alabama. Your earnings depend on any associated fees and the balance you have in your checking account. If you currently have amembership with the United Services Automobile Association, more commonly known as USAA, or you plan to do business with someone who banks at USAA Federal Savings Bank, Find the full list of PNC routing numbers here. You have more options than you realize. We will help you with that. We explore this topic from SCIENTIFIC perspective, and we don't want to make judgment. (412) 762-4550 Deposit Limits and Availability for PNC Bank ATMs While there are no limitations on ATM deposits, there are some important guidelines for deposit availability: Cut-off Times Deposits made before 3 p.m. EST at non-PNC Bank ATMs and before 10 p.m. EST at PNC Bank ATMs will be processed same-day. If you make deposits totaling $50,000 or more, $100 will be available on the day of the deposit, and another $125 will be available on the first business day following the deposit date. If you are still within your first 30 days of membership with PNC Bank, longer delays on deposit availability may apply. Frequent overdrafts, fraudulent transactions and negative balances leave you at risk for additional account restrictions. A qualifying Direct Deposit for this offer, is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend, or Virtual Wallet. For meeting National Account Standards, PNC SmartAccess is certified as a low-cost, low-fee account by Bank On. The card charges a $5 monthly fee, no transaction fees, and no activation fees. No one answered, Shows what this bank thinks of its customers. User IDs potentially containing sensitive information will not be saved. Is PNC smart access a checking account?Aug 3, 2019You can open a PNC SmartAccess Card for free, although a $25 minimum deposit is required. If you think, this answer is doesn't really help or is somehow harmful, please mind, this made with EDUCATIONAL purpose. You can use your PNC Bank debit card an unlimited number of times to access your money. Have at least one qualifying direct deposit of $250. 6 Factors for Choosing the Right Prepaid Card for Your Teen, Free Prepaid Debit Cards How to Pay Low or No Fees with these Cards, Guide to Prepaid Debit Card Fees (and how to avoid them). Offer may be extended, modified or discontinued at any time and may vary by market. The simple three-step process takes about 90 seconds. Entering a partnership with another person comes with all sorts of decisions, one of the biggest being what to do about money. It has a simple fee structure and fee-free ATM access at PNC ATMs. Low Cash Mode is only available on the Spend account of your Virtual Wallet product. 300 Fifth Avenue Mobile deposit is PNC's most recent example of innovation. I requested my company to update my deposit amount due to min deposit amount. When you swipe your card at a merchant, request cash back after putting in your PIN. 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