Terms and Conditions

"Agreement" means these Terms and Conditions that govern the PNC Bank Incentive Card. "Card" means the Incentive Card issued by PNC Bank, National Association. "You" and "Your" mean the person who has received the Card. "We", "Us", and "Our" mean PNC Bank, National Association. Our "Business Days" are Monday through Friday, excluding federal holidays.

Please make sure your Card is activated and sign it immediately. You may register your Card at pncprepaidcard.com.

By accepting and using the Card you agree to be bound by this Agreement.

Ownership and Use of the Card

The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. If you overdraw the balance on the Card, you are responsible for that amount and must repay it to us. The Card cannot be reloaded with additional value.

Lost or Stolen Cards

Tell us AT ONCE if your Card and/or Personal Identification Number ("PIN") has been lost or stolen, or if you believe an electronic transaction has been, or will be, made without your permission. Calling us is the best way of keeping your possible losses to a minimum. If you tell us promptly after you learn of the loss or theft of your Card or PIN, you will not incur any loss or liability if someone used your Card or PIN for a purchase without your permission.

If you believe your Card and/or PIN has been lost or stolen: Call toll free 1-866-453-5071, 24 hours a day, 7 days a week, or write to: Cardholder Services, 8800 Tinicum Boulevard, 5th Floor, Philadelphia, PA 19153.

Balance and Transaction History

Your Card balance and transaction history may be obtained on-line at www.pncprepaidcard.com or by calling 1-866-453-5071. You agree to regularly review your Card balance and transaction history to discover any unauthorized transactions or errors.

FDIC Insurance

The balance on the Card is insured by the Federal Deposit Insurance Corporation ("FDIC") to the maximum amount permitted by law.

Point-of-Sale Transactions

You, or someone you have authorized to use the Card by giving them the Card, may use your Card to purchase goods and services at merchants that have agreed to accept the Card and that are equipped with a point-of-sale terminal.

You may pay for purchases, either by signature or by PIN, anywhere Visa cards are accepted. For signature transactions, choose the "credit" payment option and sign the receipt; for PIN transactions, choose the "debit" payment option and enter your PIN. Please note that not all merchants will be able to accept both signature and PIN transactions.

If you use your Card to make a purchase greater than the balance on the Card, you must tell the merchant before completing the transaction. The merchant will require payment of the difference by another form of payment, such as cash, check, debit card, prepaid card or credit card. If a merchant processes a transaction for you in an amount that exceeds the balance on the Card, you must immediately mail a check to us at the address above in the amount of the difference between the amount of the purchase and the balance that was on your Card.

Certain types of merchants, such as restaurants, gas stations, car rental agencies, taxis, beauty and barber shops, health and beauty spas and hotels, obtain an authorization which may exceed the actual amount of your purchase resulting in a declined transaction.

Limitations on Use

If the Card is not personalized with your name, you may be unable to use it for transactions not made in person, e.g. by telephone or on the internet.

Use of your card is subject to the following limitations:
a. You may not make withdrawals at ATMs or at a bank teller.
b. You may not obtain cash back from merchants or financial institutions.
c. You may not deposit the value on the Card into your bank account.
d. You may not use the Card for betting, gambling, internet lottery or for any illegal purpose.
e. You may not make purchases that exceed the value on your Card unless you pay the merchant the balance through another means, such as by cash, check, debit card or credit card.
f. For security reasons, there may be other limits imposed on the use of the Card.

Foreign Transactions

The rate of exchange for international transactions using the Card is the wholesale market rate or government mandated rate in effect one day prior to the transaction date. The rate of exchange for international transactions using the Card will be calculated using a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date.

For each foreign transaction, you will be charged a foreign transaction fee equal to three percent (3%) of the transaction amount. This foreign transaction fee will be included in the amount charged to your Card. The fee will be charged whether or not there is a currency conversion in connection with the foreign transaction.

Card Expiration

The Card is valid until the entire value of the Card has been used or until the expiration date on the Card, whichever occurs first. Any funds remaining on the Card will expire on the expiration date. If we have your address on file, we will return to you any remaining balance on the Card after expiration. If we do not have your current address on file, then any remaining balance on the Card after expiration will be reported and remitted as unclaimed property in accordance with applicable law.

Disclosure of Charges

Inactivity* $3.00 per month
Purchase transaction (signature or PIN) FREE
Foreign transaction 3% of the transaction amount
Automated Phone Inquiry or Website Access FREE
Operator Assisted Phone Inquiry
(fee waived if card lost/stolen or reporting error/dispute)
$2.50
Paper Statements via U.S. Mail
(transaction history available for FREE using website)
$5.00 per statement
Card Replacement via U.S. Mail $10.00 per card
Rush Card Delivery (added to Card Replacement Fee) $15.00 per card

* After six (6) consecutive months of inactivity (beginning with the date the card is activated), an Inactivity fee of $3.00 per month will be assessed against the balance on the Card and continue until the Card is used again or the balance is $0. Inactivity means that there have been no purchases made using the Card. Fees are not considered purchases. If the Card balance is zero or becomes zero, the Card will be cancelled.

All charges will be automatically assessed against the Card, and you will be responsible for any deficiency.

Contact us at 1-866-453-5071 or go to www.pncprepaidcard.com for information about these fees.

Disclosure of Right to Receive Documentation of Purchases

You will receive or have the option to receive a receipt at the time you make a purchase using a POS terminal. Receipts may not be provided for foreign transactions.

Disclosure of Bank's Liability for Failure to Make Purchases

If we do not complete a transaction on your Card on time or in the correct amount in accordance with the terms of this Agreement, we will be liable for your direct losses or damages. However, we will not be liable:

a. If, through no fault of ours, you do not have enough money on your Card to make the purchase;
b. If the purchase will exceed the balance on your Card;
c. If the POS terminal or system was not working properly and you knew about the breakdown when you started the purchase;
d. If circumstances beyond our control (such as interruption of telephone service or telecommunications facilities, fire or flood) prevent the purchase, despite reasonable precautions that we have taken;
e. If the purchase cannot be made because of legal restrictions affecting your Card; or
f. If you have failed to use your Card in accordance with our instructions.

Disclosure of Account Information to Third Parties

We will disclose to our affiliates or to third parties information about your Card or any transaction on your Card in the following circumstances:

a. Where it is necessary for completing transactions or to resolve disputes arising from Card transactions;
b. In order to verify the existence and condition of your Card for a third party, such as a merchant;
c. In order to comply with government agency or court orders, or investigations or examinations by our bank regulators;
d. In the investigation or prosecution of alleged fraudulent activity concerning your Card;
e. In accordance with your written instructions;
f. To protect or enforce our legal rights; or
g. If we otherwise deem appropriate, to the extent permitted by law.

In Case of Errors or Questions about Your Card Transactions

Call us at 1-866-453-5071 or write to us at Cardholder Services, 8800 Tinicum Boulevard, 5th Floor, Philadelphia, PA 19153 as soon as you can, if you think an error has occurred on your Card or you have questions regarding transactions made with your Card. You must notify us no later than sixty (60) days after the transaction history, in which the alleged error occurred, has been made available to you.

If you allege an error, you will need to provide us with the following information:

  • Your name and Card number.
  • Description of the error or transfer you are unsure about and an explanation as clearly as you can why you believe it is an error or why you need more information.
  • Dollar amount of the suspected error.
  • Approximately when the error took place.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) Business Days.

We will determine whether an error occurred within ten (10) Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to ninety (90) calendar days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Card within ten (10) Business Days for the amount you think is in error, so that you will have the funds during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not credit your Card, or we may reverse any provisional credit we have made.

We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation and reverse any provisional credit that we may have extended to you during our investigation within five (5) Business Days of sending you such written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at 1-866-453-5071.

General Provisions

Your activation and/or use of the Card shall mean that you agree to the content of this Agreement and to any modification permitted by law. Any such modification shall become effective and be binding 15 days (or such later time if required by law) after notice of the modification is posted in our banking centers, or by such other method of notice as we may deem appropriate or as may be specifically required by applicable law.

No purchase that you attempt to initiate will be completed if your Card is damaged, has expired, has been canceled or revoked or is retained for any reason. We reserve the right at any time and without notice (except as may be required by the federal Electronic Fund Transfer Act) to eliminate any or all of the services that currently are available to you by use of your Card or other electronic methods or to add new services.