PNC SmartAccess®

Prepaid Visa® Card

An easy way to manage your money for a $5 monthly service fee[1]

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a Card

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application now

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View your account and manage your profile, preferences, alerts,
and more.

SmartAccess Prepaid Visa Key Features

PNC SmartAccess makes it easy to add, access, and manage your money. You can track your balance & spending when and how you want to. Use your card as a standalone prepaid card or as a compliment to your existing PNC checking account.

Easy Access

  • Load funds easily via direct deposit or cash
  • Use everywhere Visa debit cards are accepted
  • Access to your money online, at ATMs and on the PNC SmartAccess Mobile app.[2]
  • 24/7 toll free customer service

Convenient to Use

  • Pay Bills*
  • Online banking and PNC SmartAccess Mobile app[2]
  • Direct Deposit


  • Email and text alert notifications for certain card activity[3]
  • Protected by Zero Liability[4]



PNC SmartAccess is a proud partner of Bank On 

BankOn logo



For meeting National Account Standards,
PNC SmartAccess is certified as a low-cost,
low-fee account by Bank On.

Learn More »

Easily Use Your Card

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[5], PNC DepositEasy℠ ATMs[6], and at any participating Visa ReadyLink retail locations[7]

Pay Bills*
Quickly and easily pay bills with your card number on your biller's websites or by calling your biller directly[8]

Bank at PNC ATMs
As a PNC customer, you can access your money fee-free at nearly 60,000 PNC and partner ATMs across the country, as listed in our ATM locator[9]



Manage & Track Your Money


Bank Online
Check your balance, view your purchases and monthly statements, manage your alerts and security settings. Login to Online Banking »

Avoid unwanted fees
Fee-free cash withdrawals at any PNC and partner ATM[9]

Track your spending to help stay on budget.


Set Up Alerts
Set up email and text alerts[3] and receive notifications for things like deposits, withdrawals and purchases, change in personal information, low balances and more.

Avoid Carrying Cash
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]



So Many Possibilities

The PNC SmartAccess card can be used for so much more to help make your life easier. Use as a primary card or as a complimentary to your current PNC accounts.


For You

Want to tighten your spending and save more? Load money from each pay to use for spending, making it easy to stick to a budget!

For Teens & Students

Your teens and student can use the SmartAccess card to help with developing money management skills and budgeting. They can conveniently use the card for shopping online and in store purchases. If your teen or student works, they can load funds to the card or have their paycheck directly deposited..

PNC SmartAccess Mobile App



With the PNC SmartAccess Mobile App[2], access your card information right from your fingertips.

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

  • Check your balance
  • Track your spending, stay on budget
  • Set up text and email alerts[3]


Apply for a PNC SmartAccess Prepaid Visa Card


Apply Now »

At a Branch

Locate PNC »

By Phone

Call 1-800-PNC-BANK »


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Important Legal Disclosures & Information

  1. Other fees may apply. Please refer to the PNC SmartAccess Terms and Conditions for details. 

  2. 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.

  3. Your wireless carrier may charge you standard text message rates.

  4. Limitations apply. Notify PNC Bank immediately of any unauthorized use. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement.

  5. Primarily cardholder only.

  6. Cash deposits for SmartAccess cards are only available at PNC DepositEasy ATMs. Click here for a complete list of PNC DepositEasy ATMs.

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

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

  9. As a PNC customer, there is no ATM surcharge fee for PNC and PNC Partner ATMs. PNC Partner ATMs are not owned by PNC, and may be limited to cash withdrawal functionality.

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

Google Pay and Google Play™ and Google Play logo are trademarks of Google LLC.

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.