It's a reloadable prepaid Visa card that gives you safe, convenient access to your money. You can add money to your card quickly and easily at any time. 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.

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

Just go to any PNC Bank Branch or call 1-888-PNCBANK to request a card.

You will receive your card in 7-10 days. Immediately upon receipt, sign the back of your card, call 1-866-304-2818 or login to pnc.com/smartaccess to activate your card, select your PIN and set up text and/or email alerts so that you always know your balance. Be sure to register your email address and secret question and answer via pnc.com/smartaccess so that you can fully realize the benefits of the website, for example the Forgot Password process and important emails such as when a statement is available. You will also receive a PNC Online Banking User ID and PIN under separate cover. Simply follow the instructions outlined with your credentials to get started.

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 visit pnc.com/smartaccess. Be sure to activate your card as soon as it arrives to start enjoying all of your benefits.

You will establish a PIN when you activate your card. You can change your PIN online or by phone at any time.

No, you are only allowed to have one active primary PNC SmartAccess Card in your name at any given time. However, 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 with the potential secondary cardholder.

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 any Visa ReadyLink location. Just look for the Visa ReadyLink symbol at places like Safeway and participating 7-Eleven^® locations. Visa ReadyLink merchants may charge a fee for this service.
• Depositing cash at select PNC DepositEasy^SM ATMs using the prepaid load option.*
• 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 select PNC ATMs equipped with currency validation technology.

You can download a Direct Deposit form. Be sure to list the following 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, provide your Card Order Confirmation Number or verify your personal information and request your Direct Deposit information. It will also be included on the card carrier that accompanied your card. You can also retrieve your Direct Deposit Number online. 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. So 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 all 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 of the recipient (Visa ReadyLink's Receive Code is 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.

1. Visit a PNC DepositEasy ATM near you that accepts SmartAccess cash deposits
2. Insert your SmartAccess card and enter your PIN
3. Select Prepaid Load from Main Menu
4. Select Cash as Prepaid Load Type
5. Enter the amount of cash you want to load on your SmartAccess card (in whole dollars)
6. Insert bill(s)
7. Complete your transaction

NOTE: Not all PNC DepositEasy ATMs accept cash deposits for SmartAccess cards.

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

You can make purchases at the millions of places that accept Visa debit cards.

You may pay for purchases, either by signature or by PIN, anywhere Visa debit cards are accepted. For signature transactions, choose the "credit" payment option and sign the receipt; for PIN transactions, choose the "debit" payment option and enter your PIN. Please note that not all merchants will be able to accept both signature and PIN transactions.

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.

For signature transactions, choose the "credit" payment option and sign the receipt. For PIN transactions, choose the "debit" payment option and enter your PIN. If you want to get cash back with your purchase, you will need to select "debit". Please note that 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 Schedule of Fees for complete details.

You can use your card to shop online and over the phone. If your card (or its number) is ever lost or stolen, your money will be replaced if you notify us promptly of any unauthorized use. Please refer to the PNC SmartAccess Terms and Conditions for complete information. Additionally, with your PNC SmartAccess Card, it's easier to budget your money and track your spending.

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.

Tell the merchant up-front and request to pay the balance with another method of payment. If you try to purchase an item of greater value than your available card balance, your card may be declined. Please note that some merchants participate in a partial authorization service which means that an approval may be received for the available balance on your card (portion of the original amount requested), in which case, the merchant will ask you to use another form of payment such as cash, check, or credit card to cover the difference.

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 which 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 expiration of the time period set by us for authorization. Please be sure to check your available balance before making any transaction.

You can check your balance at pnc.com/smartaccess or through PNC Online Banking. You can also call 1-866-304-2818 or visit any PNC ATM. Or sign up to receive card balance text and/or email alerts after every transaction or download the PNC SmartAccess Mobile App.

NOTE: PNC does not charge a fee for the PNC SmartAccess Mobile Services App. However, third party, 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 PNC SmartAccess Mobile Services App. Certain other restrictions apply. See the PNC 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 at pnc.com/smartaccess or by calling PNC SmartAccess Cardholder Services at 1-866-304-2818.

If your card (or its number) is ever lost or stolen, your money will be replaced if you notify us promptly of the unauthorized use. Please refer to the PNC SmartAccess Terms and Conditions for complete information.

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.

You can access your money at over 7,300 PNC ATMs, 24 hours a day without any fees. Plus, certain merchants (like drugstores and grocery stores) can give you cash back when you make a purchase using your PIN.

No. At the ATM you will need to push the "checking" transaction in order to withdraw money or complete a balance inquiry.

Yes, there are two easy ways to pay:

• By phone - Call your billers directly and tell them you'd like to pay with your card
• Online - Submit your payments online directly through the websites of the companies that send you bills

NOTE: Although PNC Bank does not charge for these payments using your card, your biller may charge a fee. Be sure to check with them before making any payments.

• To withdraw money or complete a balance inquiry, press the "Checking" button.
• To load money using a select PNC DepositEasy^SM ATM, press the "Prepaid Load" button.

Access your card information how and where you want:

	pnc.com/smartaccess	PNC SmartAccess Mobile Services	PNC Online Banking	PNC SmartAccess Cardholder Services 1-866-304-2818
Obtain Balance	X	X	X	X
Review Transaction History	X	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 PNC SmartAccess Mobile Services App. However, third party, 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 PNC SmartAccess Mobile Services App. Certain other restrictions apply. See the PNC SmartAccess Mobile Service Terms and Conditions for details.

If you have trouble logging in to pnc.com/smartaccess 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 also visit pnc.com/smartaccess 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.

You can call PNC SmartAccess Cardholder Services at 1-866-304-2818. A representative will work to help resolve the problem or direct you to someone who can assist you.

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

You will receive a replacement card prior to your card expiring. Any remaining funds will be transferred to your new card.

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

You will receive your PNC Online Banking user ID and PIN under separate cover within 7-10 days after your PNC SmartAccess card is ordered. If you don't receive or misplace your user ID and/or PIN, you can call 1-800-762-2035 and select option 1 or, if you have a PNC Check Card PIN, you can gain immediate access by visiting pnc.com and clicking "Get Started Now".

Contact PNC Online Banking at 1-800-762-2035 and select option 1, Monday-Friday 7am-10pm EST, Saturday and Sunday 8am-5pm EST.

During the time while your PNC SmartAccess Card is open / active, you will be able to:

• View available balance
• Review and search / sort pending and posted transaction history (up to 2 years worth)
• View active secondary cardholders (primary cardholders only)
• Nickname your PNC SmartAccess Card
• Transfer funds from your eligible PNC checking or savings account to your PNC SmartAccess Card (primary cardholder only)
• Change your address

For all questions about your PNC SmartAccess Card, please contact PNC SmartAccess Cardholder Services at 1-866-304-2818.

PNC Online Banking currently displays a generic transaction description and a merchant / ATM name under the Posted and Pending Transaction sections on the Account Activity page. Detailed transaction information such as the merchant / ATM address can be obtained by logging in to the cardholder website at pnc.com/smartaccess (quick link also available within Online Banking) where transaction history and statements can be viewed and printed, calling PNC SmartAccess Cardholder Services at 1-866-304-2818, or visiting any PNC Bank branch.

A "not available" message may appear if the status of your PNC SmartAccess Card has recently changed or there is a system issue preventing us from displaying your current information. Simply try again later or contact PNC SmartAccess Cardholder Services at 1-866-304-2818 if you need immediate access your information.

In order to reset your password online you will need to be enrolled for Self Service Password Reset. You can enroll under the Customer Service tab within PNC Online Banking. To reset your password online, go to pnc.com and click on the "Forgot Your User ID or Password" link. You can also request a password reset by calling PNC Online Banking at 1-800-762-2035 select option 1 or by stopping into your local PNC Bank branch.

No, you cannot pay bills via Online Banking; however, you can provide your PNC SmartAccess Card number to billers who accept cards for payment. Although PNC Bank does not charge for these payments using your card, your biller may charge a fee. Be sure to check with them before making any payments.

A Telephone Banking ID and password is established during the first time user set up process in case you should establish other PNC accounts in the future. You will not need your Telephone Banking ID and password when contacting PNC SmartAccess Cardholder Services at 1-866-304-2818. If you happen to call 1-888-PNC-BANK to obtain information on your PNC SmartAccess Card, your call may be automatically forwarded to PNC SmartAccess Cardholder Services.

You are automatically enrolled in security alerts for PNC Online Banking so that you are notified for events such as password changes, profile changes, etc.; however, for PNC SmartAccess Card balance and transaction related alerts, you'll need to visit pnc.com/smartaccess to set up and manage text and/or email alerts.

No, you'll need to visit pnc.com/smartaccess to view / print your PNC SmartAccess Card statements.

Yes, you can transfer money from your eligible PNC checking or savings account to your PNC SmartAccess Card. Simply click on the Transfer Funds tab, select PNC Accounts and Payments and provide the required information.
NOTE: Primary Cardholders Only. Transfers from your PNC SmartAccess Card to another PNC account are not permitted. Simply click on the Transfer Funds tab, select PNC Accounts and Payments and provide the required information.

PNC SmartAccess Mobile Services provides several easy and convenient ways to access your card information. You can use this service to view your card balances and activity from your mobile device.

• PNC SmartAccess Mobile Services App: Download this app to your mobile device and enjoy many of the same features available through the PNC SmartAccess cardholder website today, including: accessing card balances, reviewing transaction history, and managing text and/or email alerts.
• Text & Email Alerts: Receive alerts regarding card loads, transaction activity and profile updates delivered right to your email address and/or directly to your mobile device via text message.
• Text Message Commands: Send certain text message commands to the SmartAccess shortcode 24567 to access your card information.

The following commands are available for use with the SmartAccess shortcode 24567:

• Type BAL SmartAccess to get the current available balance for your card
• Type MINI SmartAccess to get a mini statement of your card transactions
• Type HELP SmartAccess to request more information on PNC SmartAccess Mobile Services
• Type STOP SmartAccess to cancel or opt out of receiving text messages from 24567

NOTE: PNC does not charge a fee for the PNC SmartAccess Mobile Services App. However, third party, 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 PNC SmartAccess Mobile Services App. Certain other restrictions apply. See the PNC SmartAccess Mobile Service Terms and Conditions for details.

There is no fee to use PNC SmartAccess Mobile Services. However, standard mobile carrier charges apply, so please make sure you understand the terms of your mobile carrier / device agreement before taking advantage of these services.

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

To be eligible to enroll for PNC SmartAccess Mobile Services you must be a primary cardholder with an active / open PNC SmartAccess Card and have an eligible mobile device. Contact 1-866-304-2818 if you need help in determining if your mobile device is eligible.

Enrollment for PNC SmartAccess Mobile Services can be done through multiple methods:

• Visit pnc.com/smartaccess from your personal computer or eligible mobile device and select the "Enroll for Mobile Services" link.
• Access the mobile website pnc.com/smartaccessmobile from your eligible mobile device.
• Download the PNCSmartAccess Mobile Services App from the appropriate app store for your mobile device.

During the enrollment process you will have the ability to download the app. Simply follow the instructions on screen. You can also visit the appropriate app store for your mobile device and search for the PNC SmartAccess Mobile Services App.

No, iPod Touch and iPad are not currently supported.

• 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.

• Text Alerts - Sender will be "288472" or "868472"
• Email Alerts - Sender will be "PNC SmartAccess"

NOTE: You may want to add these senders to your contact list in your mobile device for easy access and recognition when receiving a text message response and also to prevent email alerts from being filtered out as spam.

You can unsubscribe from text and/or email alerts via the PNC SmartAccess Mobile Services website or app, the cardholder website at pnc.com/smartaccess, or by calling PNC SmartAccess Cardholder Services at 1-866-304-2818. To stop text alerts, you can also send a text message to 288472 or 868472 that includes only the word "STOP". We will send you a confirmation message in a minute or so notifying you that no further messages from PNC will be sent to your mobile device.

PNC SmartAccess text commands are short text messages that can be sent through your mobile device to obtain information on your PNC SmartAccess Card.

PNC SmartAccess text commands are communicated by sending specific commands to the PNC SmartAccess shortcode 24567. You can think of a short code as a web address for your cell phone. Instead of a URL, shortcodes are five- or six-digit numbers that represent a certain destination. PNC's shortcode for communicating PNC SmartAccess Card information with you via a text message is 24567.

NOTE: You may want to add 24567 to your contact list in your mobile device for easy access and recognition when receiving a text message response.

You can think of a short code as a web address for your cell phone. Instead of a URL, shortcodes are five- or six-digit numbers that represent a certain destination. PNC's shortcode for communicating PNC SmartAccess Card information with you via a text message is 24567.

The following commands are available for use with the PNC SmartAccess shortcode 24567:

• BAL SmartAccess - To get the available balance for your card
• MINI SmartAccess - To get a mini statement of your card transactions
• HELP SmartAccess - To request more information on SmartAccess Mobile Services
• STOP SmartAccess - To cancel or opt out of receiving text messages from 24567

You will be required to select a nickname for any card you enroll or add at a later time.

No. For example, whether you type "BAL" or "bal," we will send your current available balance to you via text message.

Nicknames are only required in text message commands when you have multiple cards. If you have multiple cards and do not include a nickname in the text message command, a text message response will be sent with further instructions.

You will be given the opportunity to create a nickname during enrollment or when adding a card. You can use up to 15 characters - letters, numbers, hyphens and apostrophes. When creating your nickname do not use spaces.

NOTE: Your nickname is not case sensitive.

Add 24567 to your contacts, and send one of the following text commands messages to 24567:

• Type BAL SmartAccess to get the current available balance for your card
• Type MINI SmartAccess to get a mini statement of your card transactions
• Type HELP SmartAccess to request more information on PNC SmartAccess Mobile Services
• Type STOP SmartAccess to cancel or opt out of receiving text messages from 24567

If you have multiple PNC SmartAccess cards, follow the above commands with a space and your custom nickname. For example, if you have two cards with nicknames Card1 and Card2, to obtain the balance, for Card1 type BAL SmartAccess Card1 for Card2 type BAL SmartAccess Card2.

Remember, the text commands are not case sensitive.