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PNC Smart Access Prepaid Visa Card Review

PNC Smart Access Prepaid Visa Card Review

The PNC SmartAccess card may be a good option for a basic card within the PNC solution area. It lacks some features that users might however find important. And people not in the 19-state PNC area might be better offered with another card.

PNC SmartAccess — At-a-Glance


Card Limitations

PNC SmartAccess Prepaid Card Overview

The PNC SmartAccess Prepaid Visa Card is provided by PNC Bank, that has branch and locations that are ATM 19 states. The SmartAccess card can be utilized for purchases anywhere that Visa debit cards are accepted–either online or in-store.

The card can be a good choice among prepaid cards for existing PNC banking customers or those in its service area. It offers a fee that is simple and fee-free ATM access at PNC ATMs. Nonetheless, for other individuals, ATM charges can truly add up plus some features that are important like mobile check deposit, are lacking.

Options that come with the PNC SmartAccess Prepaid Visa Card

The PNC SmartAccess Prepaid Visa is a no-frills card. This has the fundamental features common to the majority of prepaid cards, like free deposit that is direct. It has a app that is mobile however with limits.

Mobile Phone App. The PNC provides a app that is mobile both iOS and Android os products to check on balances and view deal history. But, the mobile software doesn’t give check deposits.

No-Fee Cash Withdrawals. One of many great things about the PNC SmartAccess card is the fact that it includes no-fee ATM withdrawals. The drawback is the fact that it is limited to PNC ATMs. PNC ATMs can here be located online.

PNC SmartAccess charges

The PNC SmartAccess prepaid credit card has a simple charge framework.

The card charges a $5 fee that is monthly no deal fees, with no activation charges. The monthly cost is mostly about normal for cards that fee a fee that is monthly. But, where some prepaid cards provide to waive the fee that is monthly there’s not a way to waive the monthly charge with PNC’s card.

The SmartAccess card offers free ATM deals at PNC ATMs, including money withdrawals, money lots, and stability checks. For out-of-network ATM withdrawals, there’s a $3.00 fee–high adequate to be an issue for clients not in the PNC solution area. PNC’s out-of-network fee is as well as any charges charged by the ATM operator.

There isn’t any inactivity cost, nevertheless the PNC SmartAccess card shall charge ten dollars to refund the card stability if the card is canceled.

PNC SmartAccess Prepaid Visa Card Limits

The limitations are a little less than the common card that is prepaid.

The utmost card stability for the PNC SmartAccess card is $10,000–somewhat less than the common card that is prepaid. The day-to-day investing restriction is $2,500, also just a little less than average. The day-to-day ATM money limitation is $500, additionally reduced.

But, the day-to-day money load limitation of $5,000 is greater than many cards.

Incorporating Cash to your PNC SmartAccess Prepaid internet Credit Card

You have got 3 choices to reload the PNC SmartAccess card:

Direct Deposit. You are able to create paychecks and federal government advantages to be loaded on the card via direct deposit. Making use of direct deposit is free.

On Line Transfers. You can move cash online from a bank account fully for free.

Money. It is possible to load cash to your card 100% free at PNC branches and ATMs. You can even use Visa preparedLink, which runs $3.74 – 4.95 for money lots as much as $500. Other cash load choices typical for prepaid cards like Green Dot MoneyPak aren’t designed for PNC’s prepaid card.

Having the PNC SmartAccess Visa

The card can be got by you on the web or at PNC branches. There’s no charge in any event.

The PNC Smart Access Prepaid Visa Card doesn’t require a Chexsystems or credit check as with any prepaid card. Just a straightforward application with a social safety quantity. An initial minimum load of $25 is needed.


The PNC SmartAccess card that is prepaid pretty fundamental. Customers into the PNC system shall take advantage of no-fee ATM deals at PNC places. The charges are competitive. For the people outside of the PNC solution area or those in search of extra features, it isn’t really the card for your needs.

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