PNC SmartAccess^®

It's a reloadable prepaid Visa card that gives you convenient access to your money. You can add money to your card at any time, quickly and easily. Then use it to make purchases, pay bills and get cash at the ATM.

You can open a PNC SmartAccess Card for free, although a $25 minimum deposit is required. There is a $5 monthly service fee.

Unlike a debit card, it is not linked to a checking or savings account. You will never incur any overdraft fees.

You will receive your card in 7-10 days. Immediately upon receipt, sign the back of your card. Call 1-866-304-2818 or sign in to activate your card, select your PIN and set account preferences, including text and/or email alerts. 

If it's been 10 days since you requested your card and you still haven't received it, contact PNC SmartAccess Cardholder Services at 1-866-304-2818.

Simply call 1-866-304-2818 or sign in to your account online. 

You will establish a PIN when you activate your card. You can change your PIN upon signing in or by phone (1-888-PNC-Bank, or 1-888-762-2265) at any time.

Yes, you may have up to three (3) primary PNC SmartAccess Cards in your name at any given time. You may request up to two (2) secondary PNC SmartAccess cards that share the same pool of funds. In order to request a secondary PNC SmartAccess Card, you, as the primary cardholder, must visit a PNC branch to request the secondary card.

You can add money to your card by:

• Setting up Direct Deposit for your paycheck, tax refund or other disbursements, such as government benefits or disability payments
• Depositing cash at any PNC Bank branch (primary cardholders only)
• Depositing cash at PNC DepositEasy^SM ATMs 
• Depositing cash at any Visa ReadyLink location, like Safeway and participating 7-Eleven^® locations. Visa ReadyLink merchants may charge a fee for this service.
• Transferring money to your PNC SmartAccess Card via PNC Online Banking from an eligible checking or savings account (primary cardholders only). 

NOTE: Secondary cardholders can only load money by signing up for Direct Deposit, depositing cash at a Visa ReadyLink location or by depositing cash at PNC DepositEasy ATMs.

Download a Direct Deposit form. Be sure to list PNC's routing number on your form (031902766) as well as your Direct Deposit number. Your Direct Deposit number may be printed on the Terms & Conditions that you received at the branch when you opened your PNC SmartAccess Card. If not, you can contact 1-866-304-2818 anytime, verify your personal information and request your Direct Deposit information. Your Direct Deposit number is also included on the card carrier that accompanied your card. Once you've completed your Direct Deposit form, provide it to your employer or other entity from which you regularly receive funds.

NOTE: Some employers may have their own Direct Deposit forms; be sure to check with your employer.

Just follow these three easy steps:

1. Look for the Visa ReadyLink symbol on the door, kiosk, or register at participating stores, or at U.S. MoneyGram agent locations.
2. Take your card and cash to the register or self-service kiosk. The cashier will swipe your card and accept your cash. At a kiosk, you'll swipe your card and insert the funds. (NOTE: Retailers may apply a Visa ReadyLink reload fee.)
3. Get your receipt and go!

For MoneyGram agent locations, including Walmart, please start by completing a blue ExpressPayment form with the following information:

Receive Code: 7034
Account Number: Your 16-digit card number
Company Name: Visa ReadyLink
City/State: San Francisco, CA

For FormFree® locations, such as CVS/pharmacy®, please follow these steps:

1. Pick up the red MoneyGram phone. It will auto-dial MoneyGram Customer Service. When prompted for the transaction type, select "Load Prepaid Card" from the menu list.
2. Enter the telephone number that you used for your PNC SmartAccess Card application.
3. Confirm your information to a live MoneyGram agent. You will be asked to confirm your telephone number, name, address, 16-digit card number, the amount of cash you are loading and the Receive Code 7034.
4. Write down the key information from the MoneyGram agent and bring it to the cashier at the retail location. They will collect the cash and the MoneyGram Service Fee, and add the funds to your card.

Call SmartAccess Cardholder Services at 1-866-304-2818.

If you wish to get cash back when making a purchase, swipe your card and push the "debit" button, select the cash back amount you want from the screen options, enter your PIN, and then take your cash and receipt. Please note that some merchants may charge a fee for cash back transactions and not all merchants will be able to accept both signature and PIN transactions.

No, there is no fee for making purchases. However, a fee for foreign transactions may apply. See Summary of Fees and Schedule of Fees for complete details.

Yes. You can spend up to your available balance, with a maximum of $2,500 per day for point-of-sale purchases. This is the combined total daily spend limit for both primary and secondary cards.

You can access your money at over 9,000 PNC ATMs, 24 hours a day, without any fees. Plus, certain merchants (such as drugstores and grocery stores) can give you cash back when you make a purchase using your PIN.

We do not charge any overdraft fees, so you never have to worry about them.

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 for an amount that may exceed the actual amount of your purchase. These transactions may cause an "authorization" or a "hold" on your available balance until the completion of the purchase or transaction, or until the authorization expires. Please be sure to check your available balance before making any transaction.

You can check your balance by signing in to your account, using the PNC SmartAccess Mobile App or through PNC Online Banking. You can also call 1-866-304-2818 or visit any PNC ATM. Sign up to receive card balance text and/or email alerts after every transaction.

NOTE: PNC does not charge a fee for the SmartAccessMobile 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.

The merchant will let you know if your transaction is declined. To help prevent this, keep track of your balance by checking online, using the PNC SmartAccess Mobile App or by calling PNC SmartAccess Cardholder Services at 1-866-304-2818.

If you lose your card or someone uses your card without your permission, immediately contact PNC SmartAccess Cardholder Services at 1-866-304-2818 or write us at: PNC Bank c/o Visa Inc., USCS P.O. Box 026098, Miami, FL 33102-6098.

Access your card information how and where you want:

	Sign-in to Your Account Online	Call PNC SmartAccess Cardholder Services 1-866-304-2818	Check Your PNC Mobile App
Obtain Balance	X	X	X
Review Transaction History	X	X	X
Manage Text / Email Alerts	X	X	X
View Statements	X
Reset PIN	X	X
Report Card Lost / Stolen		X
Dispute a Transaction		X

NOTE: PNC does not charge a fee for the SmartAccessMobile 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.

If you have trouble logging in to your account or forget your username and/or password, call PNC SmartAccess Cardholder Services at 1-866-304-2818. If you have registered your email address and secret question and answer, and you know your username, you can also use the "Forgot Password" process to receive an email reminder.

Call PNC SmartAccess Cardholder Services at 1-866-304-2818 to file a dispute. 

You can call PNC SmartAccess Cardholder Services at 1-866-304-2818. 

• Deposit Alert - Each time a deposit is posted to the card
• Transaction Alert - Each time a transaction is approved
• Low Balance Alert - Any time the balance drops below the balance defined by you
• Profile Update Alert - Any time an update is made to your personal profile information

NOTE: Every alert will include the current available balance.  PNC does not charge a fee for the SmartAccessMobile 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.