An easy way to manage your money for a $5 monthly service fee.
Add your card information (routing and direct deposit number) to your tax form.
Select "checking" as your
refund type on your tax form.
Access your tax refund sooner when it is deposited directly to your SmartAccess® Prepaid Visa® Card.
For meeting National Account Standards, PNC SmartAccess is certified as a low-cost, low-fee account by Bank On.
Set up direct deposit for your paycheck or government benefit payments and get access to your money right away. It's easy to complete PNC's Direct Deposit Form (or use one provided by your employer)
Quickly and easily pay bills with your card number on your biller's websites or by calling your biller directly
Bank at PNC ATMs
Withdraw your money fee-free at over 9,000 PNC ATMs.
Avoid unwanted fees
Fee-free cash withdrawals at any PNC ATM.
Track your spending to help stay on budget.
Set Up Alerts
Set up email and text alerts and receive notifications for things like deposits, withdrawals and purchases, change in personal information, low balances and more.
Avoid Carrying Cash
More secure than carrying cash - If your card (or its number) is lost or stolen, your money will be replaced if you notify us promptly of its unauthorized use.
Want to tighten your spending and save more? Load money from each pay to use for spending, making it easy to stick to a budget!
For Teens & Students
Your teens and student can use the SmartAccess card to help with developing money management skills and budgeting. They can conveniently use the card for shopping online and in store purchases. If your teen or student works, they can load funds to the card or have their paycheck directly deposited..
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Other fees may apply. Please refer to the PNC SmartAccess Terms and Conditions for details.
Primarily cardholder only.
Cash deposits for SmartAccess cards are only available at PNC DepositEasy ATMs. Click here for a complete list of PNC DepositEasy ATMs.
Visa ReadyLink merchants may charge a fee for this service.
Although PNC does not charge for these payments, your biller may. Be sure to check with your biller before making payments.
Your wireless carrier may charge you standard text message rates.
Limitations apply. Notify PNC Bank immediately of any unauthorized use. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement.
PNC does not charge a fee for the SmartAccess Mobile App. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the SmartAccess Mobile App. Certain other restrictions apply. See the SmartAccess Mobile Service Terms and Conditions for details.
Apple, Apple Watch, iCloud, Mac, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, Face ID, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.
Google Pay and Google Play™ and Google Play logo are trademarks of Google LLC.
PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.
Visa is a registered trademark of Visa International Service Association and used under license.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.