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PNC SmartAccess®
Prepaid Visa® Card
Looking for a secure, 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.
Have a Card?
Manage your account and profile, set preferences and more.
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.[7]
- PNC SmartAccess Mobile App - Keep tabs on your balance and view purchases from your mobile device. Download for iPhone or Android.[8]
- Online banking - Check your balance, view your purchases, manage your alerts and more.
Easy to access your money
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.[9]
PNC SmartAccess® Prepaid Visa Card Mobile App
Information & Resources
See How It Works
Step 2: Load money
- Add cash anytime at a PNC branch[2], PNC DepositEasy ATMs[3] or Visa ReadyLink[4]
- Set up Direct Deposit with the Direct Deposit form
Step 3: Use your card
- Make purchases where Visa debit cards are accepted
- Pay bills and more
Schedule of Fees and Terms & Conditions
- SmartAccess Schedule of Fees
- Terms & Conditions
How to Apply
Ways to Apply
- Online through the website
- At a branch
What You Need to Apply
- Two forms of ID
- A valid Social Security number or ITIN
- $25 opening deposit
Getting Started
What is a PNC SmartAccess Prepaid Visa Card?
It's a reloadable prepaid Visa card that gives you safe, 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.
How much does it cost to open a PNC SmartAccess Card?
You can open a PNC SmartAccess Card for free, although a $25 minimum deposit is required. There is a $5 monthly service fee.
How is the PNC SmartAccess Card different from a debit card?
Unlike a debit card, it is not linked to a checking or savings account. You will never incur any overdraft fees.
I've requested a card, now what?
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.
What do I do if I haven't received my card?
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.
How do I activate my card?
Simply call 1-866-304-2818 or sign in to your account online.
How do I set up or change my PIN?
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.
Can I get more than one PNC SmartAccess Card?
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.
Loading Money to Your Card
How can I add funds to my 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 DepositEasySM ATMs using the prepaid load option
- 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 select PNC DepositEasy ATMs*.
* Cash deposits for SmartAccess cards are only available at PNC ATMs equipped with currency validation technology.
How do I set up Direct Deposit?
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.
How do I reload with Visa ReadyLink?
Just follow these three easy steps:
- Look for the Visa ReadyLink symbol on the door, kiosk, or register at participating stores, or at U.S. MoneyGram agent locations.
- 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.)
- 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:
- 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.
- Enter the telephone number that you used for your PNC SmartAccess Card application.
- 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.
- 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.
I canceled my ATM cash load, but the ATM didn't give my money back. What do I do?
Call SmartAccess Cardholder Services at 1-866-304-2818.
Making Purchases with Your Card
How do I request cash back with my purchase?
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.
Is there a fee for making purchases with the card?
No, there is no fee for making purchases. However, a fee for foreign transactions may apply. See Schedule of Fees for complete details.
Is there a daily limit to how much I can spend with my card?
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.
How can I get cash with my card?
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.
What about overdraft fees?
We do not charge any overdraft fees, so you never have to worry about them.
Are there any transactions that will put a "hold" on my funds?
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.
How can I check my card balance?
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.
What if my transaction is declined?
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.
Security
What should I do if my card is lost or stolen?
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.
Customer Service Questions
How can I check my balance, transaction history and other card details?
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.
What if I have trouble logging into the PNC SmartAccess Card website or forget my username and/or password?
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.
How do I dispute a transaction that shows up on my history or statement?
Call PNC SmartAccess Cardholder Services at 1-866-304-2818 to file a dispute. You can also login to your account to print out a dispute form, complete the form and then fax it to 303-389-7324. Or, you can also mail the form to: PNC Bank c/o Visa Cardholder Services Center, Dispute Processing, P.O. Box 636001, Highlands Ranch, CO 80163-6001.
Who do I call if I have additional questions?
You can call PNC SmartAccess Cardholder Services at 1-866-304-2818.
PNC SmartAccess Mobile Services
Text & Email Alerts
What type of text and/or email alerts can I elect to receive?
- 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
Important Legal Disclosures & Information
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Other fees may apply. Please refer to the PNC SmartAccess Card Schedule of Fees for details.
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Primary cardholder only.
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Cash deposits for SmartAccess cards are only available at select PNC ATMs equipped with currency validation technology.
-
Visa ReadyLink merchants may charge a fee for this service.
When depositing checks at an ATM, you may receive an offer to choose PNC ExpressFunds, an optional service that makes your funds available faster for certain purposes. There is a fee for this optional service. If you decline the offer, you will still be able to make your deposit.
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Although PNC does not charge for these payments, your biller may. Be sure to check with your biller before making payments.
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A supported mobile device is needed to use Mobile Banking. Standard message and data rates may apply.
-
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.
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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, 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
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