Current version is unusable. Here are some of the common checking account fees you may incur: While these fees can add up, you can avoid them by responsibly managing your account and always maintaining a positive balance. I have the PNC SmartAccess Prepaid Debit Card, and I've had a great experience with PNC Bank. pncmedia@deutschinc.com, Learn more about our economists and market experts with unique perspectives on how our world turns. You have more options than you realize. Get answers to your questions about PNC Prepaid Debit Cards below. Offer may be extended, modified or discontinued at any time and may vary by market. Choose standard funds availability or PNC Express Funds. PNC linked investment balances include investment balances from a PNC Investments account including the value of any annuities if they are reflected on the PNC Investments account statement. The APY shown is the highest balance tier relationship rate for Virtual Wallet with Performance Select Growth Account.**. While the bank doesnt have standard limits on daily deposits and withdrawals, there are still some things you need to know as a customer. June 20, 2022 @gotohell. Find Out: offers flexible banking options via their smart ATMs. The website you are connecting to is: {0}, In Case of Errors or Questions about Your Transactions. All loans are provided by PNC Bank, National Association and are subject to credit approval and property appraisal. Load funds easily via direct deposit or cash. is pleased to announce it is the first bank to offer two products that meet the Cities for Financial Empowerment Fund (CFE Fund)'s Bank On national certification. For Virtual Wallet with Performance Select accounts eligible for inclusion in the $25,000 combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit, retirement certificate of deposit, and/or investment accounts. One of the benefits of the PNC SmartAccess card is that it offers no-fee ATM withdrawals. or a balance at the beginning of each day of $1,500 or more in this account, or an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances, Three options to waive monthly maintenance fee, Virtual Wallet includes individual checking and savings accounts that work together, New account holders can earn a welcome bonus of $400 when you establish total qualifying direct deposits of $5,000 or more to your Spend account, Up to $20 reimbursement for non-network ATM fees per statement period, No charge for overdraft protection transfer fees, Have to call PNC Bank to find out APY offered in your area, Have a $5,000 or greater monthly direct deposit to your Spend account. Every time I call PNC SmartAccess customer service I always get greeted with excellent customer service, they are always so helpful, knowledge, and kind. After many days and hours on the phone I found posted their internal number they wont give you. The PNC SmartAccess Prepaid Card has a simple fee structure. Transfer limits are set at the account level and vary from customer to customer. Any analyses, reviews or recommendations expressed on this website are the opinion ofthe author and has not been reviewed or otherwise endorsed by any companies, affiliates, or advertisers. Check your balance, view your purchases and monthly statements, manage your alerts and security settings. Virtual Wallet was launched along with mobile banking in 2008, followed by Virtual Wallet Student and a new iPhone app in 2009. Earn $50 when you open and use a new Virtual Walletproduct, Virtual Wallet Fine Print Wells Fargo is a Member FDIC. User IDs potentially containing sensitive information will not be saved. Budget 2. 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. With the PNC SmartAccess Mobile App[2], access your card information right from your fingertips. Maintain $500 in combined minimum deposit balances. 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. U.S. Bank is a Member FDIC. Load money from each pay to use for spending, making it easy to stick to a budget! These two accounts provide you with extra layers for overdraft protection and savings. 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. Although PNC does not charge for these payments, your biller may. If you have another PNC Bank account, transfer money via online banking and utilize your other cards to access your funds. These include fees your wireless carrier may charge you for data usage and text messaging services. Should you merge your accounts or keep everything separate? Full list of Union Bank routing numbers here. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement. Track your spending to help stay on budget. Once you've created. What should you be thinking about today, at this stage of your life, to improve your financial outlook? Read more about Select on. 8 Surprising Things You Can Do Without Going Into a Bank. The card is my favorite. The minimum amount to earn interest is $1.00. I love the Smart Access Card. I love it so much! media.relations@pnc.com, Advertising Inquiries 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. This insurance protects and reimburses you up to your balance and the legal limit in the event your bank or credit union fails. [9], Bank Online Big banks have a major advantage overonline-only bankswhen it comes to convenience. It lacks some features that users might find important, however. Editor's Note: APYs listed in this article are up-to-date as of the time of publication. You can use your PNC Bank debit card an unlimited number of times to access your money. We applaud PNC's decision literally to double down on their commitment to offering Bank On certified accounts.". "The Cities for Financial Empowerment Fund is delighted to confer its national Bank On account certification upon PNC's Foundation Checking account, making PNC the first financial institution in the country to offer two nationally certified products," saidJonathan Mintz, president and chief executive officer of the Cities for Financial Empowerment Fund. View account details, deposit checks, and transfer funds Find the nearest PNC branch or ATM Product description Check balances & recent transactions - See current account activity for your checking, savings, credit card and loan accounts. Virtual Wallet Features and Fees, Earn $200 when you open and use a new Virtual Wallet with Performance Spendproduct, Virtual Wallet Fine Print "Mobile deposit is another way that PNC makes it easier for customers to achieve their financial goals with innovative products and new technology.". (205) 297-3000 its the corporate office in Alabama. The Tower at PNC Plaza Online banks often offer customers better rates and lower fees since big banks have to recoup overhead costs to keep physical branches up and running. If you change your Virtual Wallet product type after account opening, the product type that you are in at the end of the month in which you opened your account will determine your offer eligibility, terms and corresponding reward amount, if applicable. I felt like I was the one in the WRONG simply for asking questions about transactions on my card. Just a simple application with a social security number. 5 Ways To Shop On Amazon Without A Credit Card, P2P Transfer Options for Prepaid Debit Cardholders, Warning: Youre Paying Too Much for Your Prepaid Card, prepaidcards offer to waive the monthly fee, cash load options typical for prepaid cards, Some features limited to PNC service area. You'll find the routing number in the lower left-hand . For a prepaid card, the SmartAccess is very modern, and I love how I have access 24/7 on the mobile app is well, the app is great and works well to no issues that I have encountered. Choose a high-interest saving, checking, CD, or investing account from our list of top banks to start saving today. The use of this website means that you accept the confidentiality regulations and the conditions of service. These offers do not represent all deposit accounts available. Low Cash Mode. WalletHub makes it easy to compare Prepaid Debit Cards across many companies. You have 3 options to reload the PNC SmartAccess card: Direct Deposit. To help you choose the right bank for your needs, CNBC Select evaluated dozens of checking accounts offered by big banks, offering access to at least 2,000 physical branches and over 4,000 fee-free ATMs in the U.S. We considered features like fees, minimum balance requirements and ease of use, among other factors to choose the top five best big bank checking accounts. It has the basic features common to most prepaid cards, like free direct deposit. Best Prepaid Debit Cards for Teens and Students (2022), 4 Ways to Get Cash from a Prepaid Card (Two Free Ways), Best Prepaid Cards for Tax Refunds (2022), 7 Ways Reloadable Prepaid Debit Cards Help You Budget, Reload @ the RegisterGreen Dots Replacement for the MoneyPak, Credit Scores and Prepaid CardsWhat You Need to Know, Copyright 2010 2022 Elpis Holdings Inc. |About|Media Inquiries|Privacy Policy|Terms of Use|Sitemap. Can't deposit checks. It's easy to deposit in as well as transferring funds into it if you have a checking or savings account. 300 Fifth Avenue Download for iPhone or Android, You can access your money fee-free at nearly 18,000 PNC ATMs across the country, The monthly fee is waived for primary cardholders who are employed at PNC. But, where some prepaidcards offer to waive the monthly fee, theres no way to waive the monthly fee with PNCs card. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Best at U.S. Bank: U.S . I am a regular PNC customer I can do the same as everyone else. Member FDIC In Case of Errors or Questions about Your Transactions PNC Bank offers flexible banking options via their smart ATMs. Electronic deposits made into this account totaling $500 or more. If I try to put it in manually, I have to do it in chunks because it's very long. Everyone can have a low cash moment. When you open and use a new, qualifying business checking account. If there are changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Virtual Wallet Growth account), you may no longer qualify for a Relationship Rate, or the rates may otherwise change to those in effect at the time of the change. Bank deposit products and services provided by PNC Bank, National Association. While the SmartAccess card and Foundation Checking are available within most PNC markets, interested individuals should check with their local branch or servicing center for more information. We earn a commission from affiliate partners on many offers and links. Information about the Wells Fargo Everyday Checking has been collected independently by Select and has not been reviewed or provided by the bank prior to publication. However, the daily cash load limit of $5,000 is higher than most cards. For existing PNC banking customers or those in its service area, the card can be a good choice among prepaid cards. Limitations apply. I don't understand what they need to investigate into. Axos Bank ReviewTop Online Bank with Free Checking and High-Yield Savings, 5 Instances When You Should Say No to Prepaid Cards. When autocomplete results are available use up and down arrows to review and enter to select. Avoid Carrying Cash See the SmartAccess Mobile Service Terms and Conditions for details. Apple, Apple Watch, iCloud, Mac, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Sign-up here. 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. The limits are a bit lower than the average prepaid card. Read a summary of privacy rights for California residentswhich outlines the types of information we collect, and how and why we use that information. Instead, you can use the ATM to generate a one-time access code that will be sent to your phone via text message. Advertiser Disclosure: This site may be compensated in exchange for your clicking on links posted on this website. I have never thought I would love a prepaid card until I met the SmartAccess, it is a great option. No notice and no reason. Apply for Checking. Pittsburgh, PA 15222 USA, PNC Media Relations Access to your money online, at ATMs and on the PNC SmartAccess Mobile app. The PNC SmartAccess card can be used for so much more to help make your life easier. Rates and APYs may vary and may change after account opening. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. We are committed to protecting the security and confidentiality of your information. With the PNC Cash RewardsVisaCredit Card. The clever ones reach their goal in life. Also, a supported mobile device is needed to use the SmartAccess Mobile App. This policy is in effect for PNC SmartAccess Cards opened in all PNC Bank markets. Since ATM limits vary from location to location, you may not be able to make changes to the amount of money you can access at a time. When you swipe your card at a merchant, request cash back after putting in your PIN. Catch up on Select's in-depth coverage ofpersonal finance,tech and tools,wellnessand more, and follow us onFacebook,InstagramandTwitterto stay up to date. 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. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Our mission is to provide the possible best answers for your questions. When it comes to getting your banking questions answered, using your mobile banking app can help you save time and even allow you to avoid fees. To open an account, some banks and institutions may require a deposit of new money, meaning you cant transfer money you already had in an account at that bank. Use these tips to help protect your personal data and finances. "Particularly during this pandemic, a safe, affordable, and truly useful mainstream banking product in which to deposit stimulus payments and from which to remotely pay bills is more important than ever. They may fluctuate (up or down) as the Fed rate changes. The downside is that its only for PNC ATMs. App is great, but need to be able to manually enter deposit amounts if it cant properly read the amount. Member FDIC. 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. PNC is one of the largest diversified financial services institutions in the United States, organized around its customers and communities for strong relationships and local delivery of retail and business banking including a full range of lending products; specialized services for corporations and government entities, including corporate banking, real estate finance and asset-based lending; wealth management and asset management. Summary of Fees, Schedule of Fees & Terms and Conditions. Information about the PNC Bank Virtual Wallet has been collected independently by Select and has not been reviewed or provided by the bank prior to publication. Love a Prepaid card and services provided by PNC Bank account, transfer money via online banking and utilize other. 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