Table of Contents:
1. All Reviews
2. Is it Safe?
3. Is it Legit?
4. App not working?
5. Report Issue
~ from Justuseapp.com NLP analysis of 10,642 combined software reviews.
Reviewer Pros and Cons:
- Easy to use
- Highly recommended
- Ability to block transactions if something goes wrong
- Face ID no longer works after updating the app
- Apple Pay no longer works
- Customer service unable to help
- App doesn't work
- Takes too long to get deposits
- Blocks transactions after each and every transaction
All PNC SmartAccess Reviews (28)
By hip hip r and b
I am not under why PNCSmartAccess does have the same features as the normal pnc app like we are sexy rate ppl . Y’all get fees and stuff the same as the other folks using the regular app. Why does it take. So long to get a deposit. No one waits for the day it says to be posted to be posted . I was told I would get paid two days early with this card and I have not once. I want to be able to
Deposit my checks on PNCSmartAccess stash money away like the Walmart card let’s u I mean I just think there’s a million ways to make this card be I named a few that would improve having the card.
Otherwise I am not seeing the point of haveing it or telling anyone to get it . Can theses features be added . Along with better customer service
Love my Card. Love being able to take out multiples of 1’s. PNCSmartAccess is terrible. I was using it and then one day it stopped logging back in. I used the same info because it’s saved to my phone. Called SmartAccess and was told they would call me back once they figured out the problem. That was sometime last year and never heard from them. I used the online website instead and now that’s telling me I can’t use that anymore and to download PNCSmartAccess . The same app that doesn’t work for me. Get it together PNC. Let us cash checks and get checks or have a savings account because the virtual wallet I don’t like.
Awful -ABSOLUTELY AWFUL
Cannot use the PNC smart access card without it blocking my next transaction. I use it once and it throws me to fraud prevention. Never mind the fact that I have the ability to block it myself when something goes wrong, they just do it after each and every transaction. I am done with PNC. I get the whole “safety and security “ thing but when it starts literally interfering with my daily activities and/or bills then it’s too much of a hassle. I have a Bank of America account and a First community credit union acct and neither one goes to this extreme. They have exemplary fraud protection without it causing me any headaches.
Very disappointed in Ohio....
PNCSmartAccess itself is fine, works perfectly well with IPhone wallet etc.... HOWEVER, I can’t even rate t because the PNC smart access account is by far THEE worst account one could have!!!!
You can’t do anything but deposit cash or direct deposit! I tried to pay my capital one card and my electric bill with my account and it said the payment was processed then returned it 4 times and made me miss my deadline As well as lose my incentive for a higher credit line, the utility payment just would not process at all?!
We all make mistakes & need second chances but this account is not it!! 👎🏾👎🏾
Back to Huntington I go..... 🤷🏽♀️
Don’t bother downloading!!
Until about 1.5+yrs ago PNCSmartAccess worked great! I loved it. I was able to view my balances & see all my transactions - which is all I really wanted cus I only transf $$ that I needed. The card/acct is great for budget spending, & we treated it like cash in our pocket. But then PNCSmartAccess just STOPPED working. To today (2019) it STILL tells me it’s unable to log me in. I even reset my password, tried creating a new account, and NOTHING!!! I had tried redownloading PNCSmartAccess abt 1yr ago - hoping they fixed the problem, NOPE. And I see that STILL it won’t let me in. They should just get rid of PNCSmartAccess - cus IT DOESN’T WORK!
I am a new customer and I can’t even cash my check with PNC first and foremost which that made me a little upset but I was like ok I’ll just go cash it with the bank that it has on it and I’ll put it in the bank. So I do just that now I get an email stating that my monthly statement is ready for view download PNCSmartAccess and once I proceed to do PNCSmartAccess it’s telling me my information is incorrect after 17 tries and that I must try again later!!! I really about to just close my account this is crazy!!! I would give this no Stars but I have to choose one
What happened to Face ID & Apple Pay
I can’t use face ID anymore now that I updated PNCSmartAccess on my new iPhone XS. Apple Pay Doesn’t work anymore with pnc smart. What happened? I was using both for the last two years. Customer service couldn’t help me. So they send a new card. Account Not Working for me Anymore!!!
Short and sweet, I’ve been a SmartAccess cardholder for 3 years and it’s been flawless. Every once in a while it has to update to view transactions and balances. Overall I would highly recommend.
Good prepaid card
It’s very nice card with no fees when loading cash or taking off cash at your local PNC atm… My only issue I was trying to add my number for alerts and even when I was edit it still didn’t give me option so I just use my email.. Overall very nice and convenient card.. Thnx PNC
PNCSmartAccess doesn’t even work. Won’t even let me sign up for PNCSmartAccess itself. Had my card and I’ve never been able to check anything on PNCSmartAccess . I have to log into the website to check my balance.
EXTREMELY FLAWED... Actually it doesn’t work at all
PNCSmartAccess doesn’t work at all I can’t sign up I can’t log in it literally doesn’t work at all and you can’t use a mobile site either.. why force people to use an app that doesn’t work at all this is HORRIBLE!
Card should be accessible to more apps
You guys should really look into the making the card accessible for cash app and other money paying apps
not real great
i also not anyone can even cash a check let alone a payroll and NO mobile deposit either also i’m only here to Dl this because in the last month when i dial in my last four of my social it now tells me incorrect also it is almost completely worthless to have green dot or bluebird the least of the least and worst of worst cards and accounts do more than this one
Bug Fixes ? ?
Have been using PNCSmartAccess for a while, use it more than twice in 24 hours and I have to reboot my iPhone 8 +... When It gets like that it will just sit on loading screen for HOURS if I don’t reboot my phone and I’m on iOS 13.1, so I’m as up to date as I can get... this “bug” has been in PNCSmartAccess as long as it’s been in PNCSmartAccess Store, how about fixing the bug causing it to happen. And yes I update PNCSmartAccess every rime an update is released and this bug is still there!
I have tried several times to set up my account, but it's not allowing me to. I received my car 3 days ago and have not yet been able to use PNCSmartAccess .
By unfle snaks
It works well if u need direct deposit for paychecks, but u can’t use the card everywhere. If you’re Like me and need Uber/lift, forget it. And u also can’t make deposits thru the atm. It’s a limited card but I guess that’s to be expected with pay as you go. Those are really my only two complaints.?
HOW does this have 4.7/5 stars? Every review that I’ve seen gives this horrible reviews. Out of the 2 PNC apps that I used the best one was discontinued. I really enjoyed the wallet and PNCSmartAccess just doesn’t have the same features. I much prefer the old money bar in the wallet, and the over all design of the wallet. PNCSmartAccess just looks out dated and isn’t as user friendly.
Never works. Please try again later.
PNCSmartAccess never works. 9/10 times I want to use it, it’s unavailable & I need yo try again later. 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. It’s a pretty inefficient method, so save yourself the frustration & just don’t bother.
It would be great if you could scan/deposit checks online
Great card and account
I have had my account and card now for about 5 years love this account I can use as any other card and pay bills online.
Out dated app
I’ve had this card a while never any issues I love the card and fee however PNCSmartAccess is way out dated and could use a fresh new look there are prepaid cards that are way more advanced than this I could see no mobile deposits but when you go into a branch we should have the same respect since we are a PNC customer we just don’t have a traditional account. You really should update your policies and app and make it that we can cash checks at a branch against our account and give higher cash withdraw limits
PNCSmartAccess is horrible and The bank itself is atrocious....very outdated doesn’t do Anything but give you a balance and your last 8 transactions. I mean, I get it’s a prepaid account and set to guide u back on track financially but offer some kind of service since u charging ppl to have to the card. I get better use out of using my cash app card !! Would give it no stars but I had to select at least one....BEWARE!!
By Danesha E.
I love the pnc SmartAccess. I like that I can use direct deposit it’s good for teenagers who are trying to save money. I recommend this card for kids and teens. Have no problems with PNCSmartAccess nor using my card
Can’t see routing and account number
PNCSmartAccess needs to be updated. You can not see any of your account numbers or routing numbers. And if you try to login on their website it won’t let you see it either. Also you can’t make a bill payment using your account and routing number which is ridiculous!!! This is the most inconvenient card I have ever had
Finally figured it out 😍
You have to register for an account again to be able to use PNCSmartAccess .
PNCSmartAccess needs to be updated in the worst way. I cant even log in half the time and I feel like PNC should take a page from BB&T they have a similar account but you can do so much more with it and can do deposits and all and PNCSmartAccess stays updated with no issues. PNC needs to get it together and update everything with their smart access accounts
Horrible app and subpar account
First of all, PNCSmartAccess is ridiculous! I changed my password online but PNCSmartAccess won’t recognize it. Also there is no mobile deposit option, no option to get direct deposit info, and it’s outdated in its aesthetics. The account is subpar because I can’t deposit or cash a third-party check against my account. PNC needs to do better!
This update is horrible. When you go into PNCSmartAccess to check your available balance it is not updated. You have to go to your transactions to figure out. It also does not show your deposits. It’s a good thing I get notifications. The old app would update things as soon as they took place.
Is PNC SmartAccess Safe?
Yes. PNC SmartAccess® Card is quiet safe to use but use with caution. This is based on our NLP (Natural language processing) analysis of over 10,642 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.7/5 . Justuseapp Safety Score for PNC SmartAccess Is 24.8/100.
Is PNC SmartAccess Legit?
Yes. PNC SmartAccess® Card is legit, but not 100% legit to us. This conclusion was arrived at by running over 10,642 PNC SmartAccess® Card User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for PNC SmartAccess Is 50.1/100..
Is PNC SmartAccess® Card not working?
PNC SmartAccess® Card works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or Contact Support.
How was your experience with PNC SmartAccess® Card? Post a Review
Leave a comment:
Why should I report an Issue with PNC SmartAccess® Card?
- Pulling issues faced by users like you is a good way to draw attention of PNC SmartAccess® Card to your problem using the strength of crowds. We have over 1,000,000 users and companies will listen to us.
- We have developed a system that will try to get in touch with a company once an issue is reported and with lots of issues reported, companies will definitely listen.
- Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before.
- If you are a PNC SmartAccess® Card customer and are running into a problem, Justuseapp might not be the fastest and most effective way for you to solve the problem but at least you can warn others off using PNC SmartAccess® Card.
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What is the limit on a PNC smart access card? ›
The daily spending limit is $2,500, also a little lower than average. The daily ATM cash limit is $500, also lower. However, the daily cash load limit of $5,000 is higher than most cards.Can I transfer money from my PNC SmartAccess card? ›
Transfer Funds using PNC Online Banking. If you are a Primary Cardholder, you can deposit or reload funds to your Card by transferring funds from your eligible PNC Bank checking or savings account using PNC Online Banking. For details on funds transfers, please refer to your PNC Online Banking Service Agreement.Is PNC Smart Access legit? ›
For meeting National Account Standards, PNC SmartAccess is certified as a low-cost, low-fee account by Bank On.Can you dispute with PNC smart access? ›
In Case of Errors or Questions about Your Transactions
Telephone us at: 1-866-304-2818 or write to us at: PNC Bank c/o Visa Inc., USCS P.O. Box 026098, Miami, FL, 33102-6098 as soon as you can, if you think an error has occurred on your PNC SmartAccess Card (“Card”).
Yes, Overdraft Protection links your checking account to another eligible PNC account, so you can use available funds to cover overdrafts. However, if there are not enough available funds in your Protecting Account to cover your ATM and everyday (one-time) debit card transactions, they will be declined.Does PNC give high credit limits? ›
The PNC credit card's limit is as high as $10,000+. Cards that require excellent credit, like PNC's usually have an average credit limit of $8,200. The exact range is not publicly disclosed by the issuer. It will depend on your credit history, income and debts.Does PNC Smart Access have a monthly fee? ›
Card Benefits and Features
Convenience: Customers can deposit paychecks, tax refunds and other benefits directly onto the card. Affordability: Customers don't have to worry about paying overdraft fees and withdrawals at PNC ATMs are free. The monthly maintenance fee is $5 a month.
- Set up direct deposit - and get access to your paycheck right away.
- Deposit cash - at any PNC Branch2, or participating Visa ReadyLink retail location3
- Load cash - at select PNC DepositEasy℠ ATMs using the Prepaid Load option4
You currently can't use a prepaid card on Cash App to add funds to your account. Cash App accepts linked bank accounts and credit or debit cards backed by Visa, American Express, Discover, or MasterCard.What credit score do you need for PNC? ›
This lender has a relatively low credit score requirement of 580 and lets you check your rates online with a soft credit check. It could be worth checking your rates with both PNC Bank and Upgrade (as well as any other lenders that let you prequalify online) to see which offers you the better rate.
What bank is PNC Smart Access? ›
PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.What are the pros and cons of PNC Bank? ›
|Bank in person at a branch, online, or through the PNC mobile banking app||Low APY on savings|
|Multiple savings and checking options to choose from||Monthly fees may apply unless you meet certain requirements|
|Low minimum deposit requirements when you open savings accounts online|
The Standard Checking Account has an ATM withdrawal limit of $500 with a relatively high daily debit purchase limit of $7,000. If you need higher limits, PNC's Performance Checking and Performance Select Checking Accounts both have a limit of $1,500 for ATM withdrawals and a debit purchase limit of $9,500.Does PNC reimburse stolen money? ›
Does PNC reimburse stolen money? PNC Bank offers 24-hour fraud monitoring as well as zero liability fraud protection. It is up to you to report to the bank that fraud took place or that a debit card was lost or stolen and if you do so immediately, they can stop any subsequent fraud and they will reimburse stolen money.How much money is on my prepaid visa? ›
Start by looking at the back of your gift card. Typically, you'll find a toll-free number you can call to discover your balance. Or you can check your balance by visiting the card issuer's site and entering your card's 16-digit number and security code.How can I withdraw money from ATM with insufficient funds? ›
Option One: Use overdrafts to withdraw the money you don't have, incur a fee, and pay back both the overdraft and the overdraft fee when you can. Option Two: Top up your checking account and withdraw the money you do have, avoid overdraft fees, and pay back the amount on terms you're in control of.Why won't PNC increase my credit limit? ›
To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income PNC Bank has on file.What is the easiest unsecured card to get? ›
The Credit One Visa Card is the easiest unsecured credit card to get. It is available to people with bad credit or no credit. Cardholders also earn 1% cash back on eligible purchases.What card will give me the highest credit limit? ›
The cards with the highest overall credit limits, Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, are points cards, so they win this category as well. A few well-heeled applicants will qualify for six-figure limits, but most will qualify for limits closer to the $5,000 to $10,000 minimum.How do I avoid PNC monthly maintenance fee? ›
Maintain a linked PNC Merchant Services® account and generate a minimum of $500 in qualifying monthly processing deposits. The PNC business checking account receiving PNC Merchant Services processing deposits is the only account eligible to avoid the monthly account maintenance fee.
Is PNC a good bank? ›
PNC Bank earned second place in the 2021 J.D. Power National Banking Satisfaction Study; it performed highest in resolving customer problems, according to the study. The PNC mobile app also earns good ratings: 4.2 stars out of 5 on Android devices and 4.8 stars out of 5 for the iOS version.What is the minimum balance to avoid fees at PNC? ›
Monthly Service charge of $5, or $0 if one of the following is met: Average monthly balance of $300. Linked to a select PNC checking account. Set up an Auto Savings transfer of $25 or more each statement period from your PNC Checking account to your Savings account.Can I deposit a check into my PNC Smart Access account at ATM? ›
Whether you deposit a check through the PNC Mobile app, at a PNC DepositEasy℠ ATM or with a teller, PNC Express Funds gives you the option, for a fee, to make the full amount available immediately for withdrawals and purchases.Does Zelle accept PNC smart access? ›
What Prepaid Cards Does Zelle Support? Access 360 Prepaid Card by Fifth Third Bank, and. PNC SmartAccess Card.Does PNC smart access have account number? ›
For SmartAccess® Prepaid Visa® Card
Sign on to Online Banking. Select your SmartAccess Card, then the Sign On to SmartAccess link. Once signed in, you can find your account and routing numbers on the Account Summary Page within Direct Deposit Information.
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- Frequently Asked Questions.
You need a score of 750 to qualify for most PNC credit cards. That means an excellent credit is required for approval. PNC offers multiple cards with no annual fee and a zero percent introductory APR.Does PNC do a soft credit check? ›
Most PNC credit cards available right now require excellent credit to get approved. A credit card pre-approval offer results in a soft inquiry on your credit report, which will not affect your credit score. But if you do apply for the card, a hard inquiry will follow and that will lower your score a bit.How long does it take for PNC to approve a credit card? ›
Typically, you'll receive a decision on your PNC credit card application within 7-10 business days. Many applicants are approved much sooner than that (24-48 hours).Is a Smart Access account a debit card? ›
Your Smart Access account comes with a Debit Mastercard to use for ATM withdrawals and purchases worldwide - online or over the phone.
Does PNC smart access have routing number? ›
Sign on to Online Banking. Select your SmartAccess Card. Click on the “Sign On to SmartAccess” link to the right of your Available Balance. Once signed in to SmartAccess, your routing number and full account number can be found under the “Direct Deposit Information” section on the Account Summary page.What account is smart access? ›
A transaction account for under 14s that's best used with our Youthsaver account. It helps your child learn responsible spending habits, with the protection of parental controls.Why is Chase better than PNC? ›
The difference between the two is that PNC offers various banking tools, waivable monthly fees and opportunities for interest boosts, while Chase offers greater branch accessibility, sign-up bonuses and specifically tailored account options.How is PNC ranked? ›
The Bankrate promise.
|BANK NAME||JPMorgan Chase||PNC Financial Services|
|TOTAL ASSETS||$3.31 trillion||$553.40 billion|
PNC is committed to delivering an exceptional customer experience and making banking easy. We are focused on implementing the digital and technology solutions our customers want and designing experiences that enhance the customer journey.Why is my PNC card being declined? ›
Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.What does PNC stand for? ›
1852. Pittsburgh National Bank – the largest subsidiary of Pittsburgh National Corporation – originated in 1852 as the Pittsburgh Trust and Savings Company.How can I increase my PNC debit card limit? ›
Ask for an Increase
In some cases, you may be able to call PNC Bank and ask them to temporarily raise your limit. Keep in mind that this may not be a permanent solution, though it can help if you're traveling or planning a major one-time cash purchase.
Police in New Jersey say thieves are hacking customers' accounts at PNC Bank and withdrawing hundreds of dollars at ATMs.Will my bank refund me if I get scammed? ›
If you paid by bank transfer or Direct Debit
Contact your bank immediately to let them know what's happened and ask if you can get a refund. Most banks should reimburse you if you've transferred money to someone because of a scam.
What is the withdrawal limit for PNC SmartAccess? ›
The maximum card balance for the PNC SmartAccess card is $10,000–somewhat lower than the average prepaid card. The daily spending limit is $2,500, also a little lower than average. The daily ATM cash limit is $500, also lower. However, the daily cash load limit of $5,000 is higher than most cards.Why are prepaid cards not accepted? ›
You don't have enough money left on your card. You haven't activated or registered your card. The address you gave to make an online or phone purchase is different from the address you have on file with your prepaid card provider.Can you pull money out of a prepaid Visa? ›
The all-purpose Visa Prepaid card is a prepaid card that you can use to withdraw cash, pay bills or make purchases anywhere Visa Debit cards are accepted, in-person or online.Can you overspend a Visa prepaid card? ›
You can't overspend them, most don't have the ability to be overdrawn, and they provide an alternative for individuals who don't have bank accounts. Government benefits such as Social Security or state unemployment insurance may also be paid by a prepaid debit card.What is PNC Virtual Wallet spending limit? ›
Virtual Wallet with Performance Select
OR, $5,000+ monthly balance in Spend + Reserve. OR, $25,000 in all PNC consumer and/or investments accounts. Otherwise, $25.
You can request a PNC Bank credit limit increase online, through the PNC Bank mobile app, or by calling customer service at 1(800) 762-5684.How do I increase my PNC daily spending limit? ›
Ask for an Increase
In some cases, you may be able to call PNC Bank and ask them to temporarily raise your limit. Keep in mind that this may not be a permanent solution, though it can help if you're traveling or planning a major one-time cash purchase.
PNC reserves the right to refuse or return any deposit amount to you that causes the combined balance of all of your Virtual Wallet Grow th accounts w ith us to exceed $5,000,000 (including any jointly ow ned, or in the case of an account ow ned by a living trust, jointly managed accounts).Will PNC let me overdraft at ATM? ›
To opt in, edit your preferences in PNC Online Banking or the PNC Mobile app. When you opt in to Overdraft Coverage, PNC will pay your ATM and everyday (one-time) debit card transactions at our discretion if you overdraw your account.Does PNC do cash advances? ›
Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater (maximum fee of $75) . Foreign Transaction Fee: 3% of the amount in U.S. dollars of each foreign transaction.
Can bank tellers see your balance without permission? ›
Bank tellers can technically access your account without your permission. However, banks have safety measures in place to protect your personal data and money because account access is completely recorded and monitored.How hard is it to get a credit card at PNC? ›
Yes, it is hard to get a PNC Bank credit card because all PNC Bank credit cards require excellent credit for approval. Unless your credit score is 750 or higher and you have a lot of income, it will be difficult for you to get approved for a PNC Bank credit card.Does PNC do a hard inquiry for credit limit increase? ›
When you request a PNC Core Visa® Credit Card credit limit increase, PNC will conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. PNC cannot do a hard pull without your permission, though.Why is my PNC credit card being declined? ›
Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.Can you buy a car with a debit card? ›
While some dealerships are fine with accepting a debit card as a form of payment, others won't. In addition, car buyers can face transaction limitations when using this form of payment. Some financial institutions place transaction limitations as a form of fraud protection.How much can I withdraw per day? ›
Daily ATM withdrawal limits typically range from $300 to $1,000 a day, depending on the bank and the account; some banks charge different amounts depending on which tier of service you've signed up for and your banking history.Can I withdraw $5000 from bank? ›
The amount of cash you can withdraw from a bank in a single day will depend on the bank's cash withdrawal policy. Your bank may allow you to withdraw $5,000, $10,000 or even $20,000 in cash per day. Or your daily cash withdrawal limits may be well below these amounts.How much cash can you withdraw from PNC? ›
The Standard Checking Account has an ATM withdrawal limit of $500 with a relatively high daily debit purchase limit of $7,000. If you need higher limits, PNC's Performance Checking and Performance Select Checking Accounts both have a limit of $1,500 for ATM withdrawals and a debit purchase limit of $9,500.What is the minimum balance for PNC? ›
The minimum deposit to open for the Standard Savings account is $0 if the account is opened online. The minimum deposit to open for the S is for Savings® account is $0 if the account is opened online. For current interest rate and Annual Percentage Yield information, call 1-888-PNC-BANK (1-888-762-2265).