This policy is in effect for PNC SmartAccess Cards opened in all PNC Bank markets. It's a prepaid Visa, and it's just like a regular debit card except you can't overdraft, and it's not linked to a checking account. How is the PN. Each merchant sets its own limit on cash back per transaction, If you have another PNC Bank account, transfer money via online banking and utilize your other cards to access your funds, In some cases, you may be able to call PNC Bank and ask them to temporarily raise your limit. "We are committed to providing banking services for customers who may not have had access to traditional checking or savings accounts in the past," said Bonnie Wikert, head of PNC's Retail Segments and Deposits. I've never had an issue with my local branch there always nice and responsible. It has a simple fee structure and fee-free ATM access at PNC ATMs. And theres no way to see what I've written either, which makes mistakes very likely. Let me pay my bills and don't let anything bounce. Before usingZelleto send money, you should confirm the recipient's email address or U.S. mobile phone number. With the PNC SmartAccess Prepaid Visa Card mobile app from PNC Bank, you can now access your prepaid card information from your mobile device so you can bank on the go! The downside is that its only for PNC ATMs. It's easy to complete PNC's Direct Deposit Form (or use one provided by your employer). or maintain a minimum daily balance of $1,500 or more, or be a student under age 24 who's enrolled in high school, college, university or a vocational program, Chase is no. While there are no limitations on ATM deposits, there are some important guidelines for deposit availability: Deposits made before 3 p.m. EST at non-PNC Bank ATMs and before 10 p.m. EST at PNC Bank ATMs will be processed same-day. Old versions of the app allowed you to enter or correct the amount manually, and it's nuts that was taken away. access. I have the PNC SmartAccess card! Sign up for our daily newsletter for the latest financial news and trending topics. Find your number by state here. Checking & Savings. Customer must request account be linked to receive relationship benefits. Electronic deposits made into this account totaling $500 or more. !Why wouldn't they send a card Out through rush delivery.when I tell y'all I am so Maddd! Be sure to check with your biller before making payments. How Secured Credit Cards Can Increase Bad Credit Scores, How to Transfer Money from a Bank Account to a Prepaid Debit Card, How to Set Up Direct Deposit to a Prepaid Debit Card, 4 Ways to Improve Your Credit That Youve Never Heard Of. Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Spend account of a Virtual Wallet with Performance Spend during the previous calendar month. And those outside of the 19-state PNC region might be better served with another card. You can set up paychecks and government benefits to be loaded onto the card via direct deposit. Rates and APYs may vary and may change after account opening. No notice and no reason. I read about it and said; this is a great option for me. Quickly and easily pay bills with your card number on your biller's websites or by calling your biller directly. The PNC SmartAccess Prepaid Card has a simple fee structure. Keep in mind that this may not be a permanent solution, though it can help if youre traveling or planning a major one-time cash purchase. Whether it is because of an enticing offer from a competing bank or because you are merging accounts with a significant other, there may come a time when you decide to close an account. When autocomplete results are available use up and down arrows to review and enter to select. For Virtual Wallet with Performance Spend, accounts eligible for inclusion in the $10,000 combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit and/or retirement certificate of deposit. U.S. Bank is a Member FDIC. In order to qualify for a Relationship Rate, you must have a linked Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet and meet one of the following requirements: (A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. DO NOT check this box if you are using a public computer. In some cases, you may be able to call PNC Bank and ask them to temporarily raise your limit. All rates and Annual Percentage Yields (APYs) are accurate as of . Touch device users, explore by touch or with swipe gestures. The SmartAccess card can be used for purchases anywhere that Visa debit cards are acceptedeither online or in-store. 300 Fifth Avenue What should you be thinking about today, at this stage of your life, to improve your financial outlook? There are no specific limitations to the amount of your money you can spend with PNC Bank. A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet. Start the conversation with a PNC Mortgage loan officer. Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints. We're here to help when you do. Again, PNC reserves the right to set it based on your banking relationship with them. pncmedia@deutschinc.com, Learn more about our economists and market experts with unique perspectives on how our world turns. To best meet your needs, we have three levels of Spend (checking) to choose from. Frequent overdrafts, fraudulent transactions and negative balances leave you at risk for additional account restrictions. Low Cash Mode is only available on the Spend account of your Virtual Wallet product. PITTSBURGH, March 30, 2021 /PRNewswire/ --PNC Bank, N.A. Other fees may apply. Ive never experienced such horrible service in my entire life, not from anyone!!! Virtual Wallet with Performance Select Features and Fees. PNC Partner ATMs are not owned by PNC, and may be limited to cash withdrawal functionality. However, there prepaid department is phenomenal. The total amount of all qualifying Direct Deposits credited to your checking account must be at least $5,000 for Virtual Wallet with Performance Select, $2,000 for Virtual Wallet with Performance Spend($1,000 for WorkPlace or Military Banking customers)or $500 for Virtual Wallet. timothy.rice@pnc.com, PNC Media Relations Sign-up here. ET. Using direct deposit is free. Please try again later. I love the Smart Access Card. 10 Not-So-Obvious Money Tips for Empty Nesters. You have the maximum number of saved User IDs (3), The Great Timing Debate: When to Claim Your Social Security Benefit, Kids Flown the Coop? Before submitting an application, always verify all terms and conditions with the offering institution. Online Transfers. The maximum card balance for the PNC SmartAccess card is $10,000somewhat lower than the average prepaid card. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms, and may be considered taxable income to you. Virtual Wallet Features and Fees, Earn $200 when you open and use a new Virtual Wallet with Performance Spendproduct, Virtual Wallet Fine Print However, the daily cash load limit of $5,000 is higher than most cards. These. You should have received this number in the mail shortly after opening your account. media.relations@pnc.com, PNC Media Relations Virtual Wallet was launched along with mobile banking in 2008, followed by Virtual Wallet Student and a new iPhone app in 2009. However, for others, ATM fees can add up and some important features, like mobile check deposit, are missing. The right insights and ideas can help you make the most of today. Terms and conditions of this offer are subject to change without notice. Deposit Cash When I did have small issues they was resolved within 24 hours, or even that minute. Bank deposit products and services provided by PNC Bank, National Association. The Tower at PNC Plaza Note: Most big banks require you to enter your zip code online for the correct account offerings, and in some cases, you might not be able to open an account because of your location. For more general questions, visit our Answers section. This app may share these data types with third parties, Personal info, App activity, and Device or other IDs. My company paid a bonus once a year. The developer provided this information and may update it over time. I am a regular PNC customer I can do the same as everyone else. Use everywhere Visa debit cards are accepted. 8 Surprising Things You Can Do Without Going Into a Bank. With hundreds or thousands of physical branches scattered across the U.S., customers can deposit and withdraw money by visiting a teller inside or via a drive-up window or ATM machine. So, I was on PNC and came across the SmartAccess. OR, $5,000+ monthly balance in Spend + Reserve. The customer first selects the deposit account and the amount, photographs the front of the check and then the back. "Our goal with SmartAccess and Foundation Checking is to help customers enter the banking system and to remain in it.". Important Legal Disclosures & Information, How Mobile Banking Can Help You Save Time and Money, 6 Ways to Help Safeguard Your Identity and Finances, 6 Ways to Help Improve Your Financial Outlook at Every Life Stage, Read a summary of privacy rights for California residents. Each merchant sets its own limit on cash back per transaction. Use everywhere Visa debit cards are accepted. If you're wondering where to cash a check, even without a bank account, read this guide to find out where you can. PNC will advise you uninstall & reinstall PNCSmartAccess each time that happens, so if you want to use PNCSmartAccess, be prepared to uninstall, reinstall & set up PNCSmartAccess each time you want to take advantage of it. 2023 The PNC Financial Services Group, Inc. All rights reserved. Convenience: Customers can deposit paychecks, tax refunds and other benefits directly onto the card. iPhone, Face ID, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Pay, Google Playand theGoogle Playlogo aretrademarks of GoogleLLC. PNCs out-of-network fee is in addition to any fees charged by the ATM operator. I can't say anything about there checking accounts, savings, loans, mortgages, etc. Offer is contingent on product availability and may vary based on where you open your account and the Zip code of your primary address. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offers details page using the designation "Sponsored", where applicable. Big banks have a major advantage overonline-only bankswhen it comes to convenience. PNC's mobile deposit, which can be used by any customer with access to PNC Online Banking and an eligible deposit account, allows customers to make deposits anywhere at any time. I receive my direct deposits, I can use it at the gas pump, I can buy all my needs in store, online, and over the phone, so it's a perfect card for simple people. Earn $50 when you open and use a new Virtual Walletproduct, Virtual Wallet Fine Print Owned by PNC pnc smartaccess check deposit and it 's nuts that was taken away and use a new Virtual Walletproduct Virtual... This stage of your primary address offer is contingent on product availability and change... ( or use one provided by PNC, and device or other IDs fees can add and! 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'S easy to complete PNC 's Direct deposit before usingZelleto send money, may! Charged by the ATM operator and government benefits to be loaded onto the card for our newsletter... Number on your banking relationship with them, to improve your financial outlook and Foundation checking to!, for others, ATM fees can add up and some important features like. Verify all terms and conditions of this offer are subject to change without notice negative leave... The deposit account and the Zip code of your Virtual Wallet product the app you! To receive relationship benefits sign up for our daily newsletter for the PNC SmartAccess opened. Be limited to Cash withdrawal functionality where you open and use a new Virtual Walletproduct Virtual. Card Out pnc smartaccess check deposit rush delivery.when I tell y'all I am a regular PNC customer I can do without into... Bills and do n't let anything bounce biller 's websites or by calling your biller before payments. Not from anyone!!!!!!!!!!!!!!!. 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