PNC SmartAccess Prepaid Visa card review: You want to get a PNC SmartAccess prepaid card but don’t have a good idea about it? If so, you’ve come to the right place. In today’s post, I will highlight all upsides and downsides of the PNC SmartAccess prepaid card. Hopefully, this post will help you make the right decision to choose a SmartAccess Prepaid Visa Card.
What is PNC SmartAccess Card?
PNC Prepaid SmartAccess Card is a type of prepaid Visa debit card issued by PNC Bank. Using this PNC prepaid card you can buy anything online or offline where the Visa card is accepted. That means you can deposit, purchase, or pay bills and get cash without any overdraft fees.
- Reasonable Fees
- Easy To Apply
- Control overspending
- Multiple reload options
- Free ATM
- Mobile APP
- Good Customer Care Service
- Limited Features
Upsides of PNC SmartAccess Prepaid Visa Card
The card is not linked with savings or checking account. So you don’t have to pay overdraft fees. And it could be 3o bugs or sometimes more than that. Let’s talk more about the benefits of the PNC prepaid Visa card.
1. Reasonable Fees
One of the best parts of this prepaid card is there is no charge for account opening. And only for $5 monthly fees you are getting this SmartAccess prepaid card. There have no yearly or overdraft fees also. If you compare with other prepaid card providers it’s quite low. Remember an initial minimum load of $25 is required.
2. Easy To Apply
If you wanna a SmartAccess card from PNC, it’s very easy to apply. You can apply through the online or nearest branch, or even with a phone call. The prepaid Visa card is available in all 2900 PNC branches around the USA. You just need a photo ID and answer some basic questions. And you have to be 18 years old. After applying for the card you will receive your card within 7 to 10 working days.
You don’t need to have a PNC bank account. You can deposit paychecks, tax refunds, or other benefits directly onto the SmartAccess Card. The SmartAccess prepaid card features online banking. So it is easy to pay bills both online and offline.
You may love the security system of the SmartAccess Oreoaid Visa Card. By using PNC SmartAccess Mobile Application you can set up email and text alerts. It will help you to receive notifications for the deposit, withdraw and purchase, change personal information, and low balances. PNC is promptly notified of any kind of unauthorized use. So, if the card is stolen or lost, no need to worry. Just notify them with a phone call or email, you lost your card.
5. Control overspending
PNC offers 24 hours access to free customer care service, so you can review balance and transaction details online. And if you want to reduce your spending and save more. Just load money and make it easy to stick to a budget. You kids can use the prepaid Visa card to help with developing money management skills and budgeting.
6. Multiple reload options
Another thing I liked most of the SmartAccess Prepaid Visa card is it has multiple reload options. You can load the card through direct deposit and also cash deposit at The PNC Bank branches, PNC DepositEasy ATMs. You can also reload the card through Visa ReadyLink retail locations.
7. Free ATM
The PNC Bank offering free ATM withdraw opportunity. You can withdraw your money fee-free at over 15,000 PNC ATMs. But out of PNC Network, you will be charged $3 for every ATM transaction. Almost, all prepaid cards are charges in this manner. For international ATMs fee is $3.
8. Mobile App
You can control your SmartAccess prepaid visa card through PNC SmartAccess Mobile App. The app is available both Play Store and App Store. You can check balance, track your spending, set up text, and email alerts with the mobile application.
9. Good customer care support
PNC offers 24/7 toll-free customer service. Their toll-free customer care number is 866-304-2818. They have the official PNC Bank Twitter customer support team, to get tips and information you can visit the Twitter page also. You can also visit their locator to find branches or ATMs.
Downsides of PNC SmartAccess Prepaid Visa Card
Many praises were sung. As well as having good qualities, it has some bad aspects. Let’s take a look at the bad aspects of the SmartAccess Prepaid Visa Card.
It is sorry to say PNC SmartAccess Prepaid Visa Card comes with limited features. The limits are lower than a regular prepaid card. You can reload up to $10000 in a PNC SmartAccess Prepaid Card. And the daily spending limit is only $25000 and the daily ATM cash limit is only $500. Which is really a low amount.
Is PNC SmartAccess a debit card?
Yes, PNC SmartAccess is a prepaid Visa debit card. and it’s not a credit card. Which allows you to deposit cash and use them to pay a bill or make a purchase and get cash.
How to get a PNC SmartAccess Card?
It is easy to get a PNC SmartAccess Prepaid Visa card. You can apply online or visit your nearest PNC bank branches. You just need a photo id and you have to be 18 years old. There has no charge to apply for the PNC SmartAccess Prepaid Visa Card.
How to activate the PNC SmartAccess Prepaid card?
It is easy to active the PNC SmartAccess Prepaid Visa Debit Card. To active your SmartAccess Card visit here and submit your card number. Then click on continue.
PNC smart access card deposit limit
You can deposit a maximum of $5000 per day on PNC card from any branch or PNC online banking and the maximum deposit limit in any 30 day period is $10,000. With Visa Redlink you can load a maximum of $1000 a day and a maximum of $2,000 in 30 days. With PNC ATM you can load a maximum of $ 1,000 per day and a maximum of $ 2,000 in 30 days.
SmartAccess Prepaid Card fees
Here is the list of all PNC Prepaid Visa Debit Card fees:
- Monthly fee: $5
- Per Purchase: $0
- ATM balance inquiry: in-network $0 and out-of-network $3
- Cash reload fee: $4.95
- Inactivity fee: $0
- Overdraft fee: $0
- Paper Statment fees: $2.00
- Express card delivery: $25 (initial reload)
- Balance refund/paper check: $10
- Card replacement fee: $7.50
In my opinion, If you want to get a prepaid Visa card for a low charge and without a checking account then it could be a good solution for you. I hope the authorities will look into the limitations as soon as possible. However, PNC SmartAccess is far ahead of other prepaid Visa card providers.