PNC SmartAccess®

Prepaid Visa® Card

Looking for a secure, easy way to access and manage your money? The PNC SmartAccess card lets you deposit money, make purchases, pay bills, get cash and more.

Apply for a card today

Complete your application online.


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Or, if you have not yet enrolled your card


Key Features
Easy access to your money

You can use your card at millions of places where Visa is accepted.

No overdraft fees

Spend the funds on your card and never worry about overdraft fees.

It's safe and secure

It's more secure than carrying cash.

Features and Benefits

Easy to add money

Direct Deposit: It's free and easy to set up

  • Set up direct deposit for your paycheck or government benefit payments
  • Complete the Direct Deposit Form (or the one provided by your employer)

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.[4]

Get easy access to your money

  • Withdraw your money for free at over 7,300 PNC ATMs.
  • Make purchases at millions of places that accept Visa debit cards
  • Pay bills quickly and easily with your card on the billers' websites or by calling your billers directly[5]

Track your balance and spending virtually anytime, anywhere

  • Text and email alerts - Set up alerts for recent deposits, recent purchases and even for low balances, delivered right to your phone or email inbox.[6]
  • PNC SmartAccess Mobile App - Keep tabs on your balance and view purchases right from your mobile device. Download now for your iPhone or Android device:[7]
  • Online banking - Check your balance, view your purchases, manage your alerts and more.

See How It Works

Step 1: Activate your card

Step 2: Load money

Step 3: Use your card

  • Make purchases where Visa debit cards are accepted
  • Pay bills and more
How to Apply
Frequently Asked Questions

Important Legal Disclosures and Information

  1. Primary cardholder only.

  2. Visa ReadyLink merchants may charge a fee for this service.

  3. Cash deposits for SmartAccess cards are only available at select PNC ATMs equipped with currency validation technology.

  4. Please refer to the SmartAccess Terms and Conditions for full information.

  5. Although PNC does not charge for these payments your biller may. Be sure to check with your biller before making payments.

  6. Standard message and data rates may apply.

  7. 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, iPod, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Android and Google Play are trademarks of Google Inc.

FormFree® is a registered trademark of Moneygram International, Inc.

CVS/pharmacy® is a registered trademark of CVS Pharmacy, Inc.

PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.

In order to qualify for a Relationship Rate, you must have a linked checking account (for the Performance Checking Relationship Rate, you must have a linked Performance Checking or Virtual Wallet® with Performance Spend; for the Performance Select Checking Relationship Rate, you must have a linked Performance Select Checking or Virtual Wallet with Performance Select) and meet one of the following requirements:

  • Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your Checking account using your Visa® Debit Card or to your linked Visa Credit Card.
  • Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Virtual Wallet with Performance Spend or Performance Checking during the previous calendar month.
  • Have $5,000 in qualifying direct deposits in a linked Virtual Wallet with Performance Select or Performance Select Checking during the previous calendar month.

(A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.)

Starting with the calendar month following when you open your Premiere Money Market account, and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month.

If there are changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Premiere Money Market account), you may no longer qualify for a Relationship Rate, or the rates may otherwise change to those in effect at the time of the change.

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