PNC SmartAccess®
Prepaid Visa® Card

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

SmartAccess Prepaid Visa Key Features

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 at 866-304-2818.

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 

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

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

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]

PNC SmartAccess Mobile App

Smart Access 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]

 Download on the App Store  Get it on Google Play



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