PNC SmartAccess®

Prepaid Visa® Card

Looking for an easy way to access and manage your money? PNC SmartAccess lets you deposit money, make purchases, pay bills and get cash for a flat monthly service fee[1] of $5. And, there are no overdraft fees.

Apply for a Card Today

Complete your application online.

Have a Card?

Manage your account and profile, set preferences and more.

Get your refund the faster and easier way with your PNC SmartAccess® Card.


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.

Features & Benefits

Easy to add money

  • Direct Deposit - 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)
  • Deposit cash - Fund your SmartAccess® card at any PNC branch[2], PNC DepositEasySM ATMs[3], and at any at any participating Visa ReadyLink retail locations[4]

Track your balance & 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 from your mobile device. Download for iPhone or Android.[7]
  • Online banking - Check your balance, view your purchases, manage your alerts and more.

Easy to access your money

  • 9,000+ PNC ATMs - Withdraw your money fee-free at over 9,000 PNC ATMs
  • Visa Purchases - Make purchases at any retail location or online retail site that accepts Visa debit cards
  • Pay Bills - Quickly and easily pay bills with your card on your billers' websites or by calling your billers directly[5]

More secure than carrying cash

  • Security - If your card (or its number) is lost or stolen, your money will be replaced if you notify us promptly of its unauthorized use.[8]

PNC SmartAccess® Prepaid Visa Card Mobile App

With the PNC SmartAccess Mobile App[7], you can access your card information right from your fingertips.

Download it from the App Store or Google Play – and take control of your money:[6]

  • Check your balance
  • Track your spending, stay on budget
  • Set up text and email alerts[6]



Information & Resources

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 & Information

  1. Other fees may apply.  Please refer to the PNC SmartAccess Card Schedule of Fees for details. 

  2. Primary cardholder only.

  3. Cash deposits for SmartAccess cards are only available at PNC DepositEasy ATMs. See for a complete list of PNC DepositEasy ATMs.  

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

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

  6. A supported mobile device is needed to use Mobile Banking. 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.

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

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

Google Pay and Google Play™ store 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.

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.