PNC SmartAccess® Card Reviews 2023 | JustUseApp Reviews (2023)

FAQs

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.

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.

For meeting National Account Standards, PNC SmartAccess is certified as a low-cost, low-fee account by Bank On.

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.

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.

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.

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.

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.

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? 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.

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.

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.

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.

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.

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.

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.

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.

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.

What Prepaid Cards Does Zelle Support? Access 360 Prepaid Card by Fifth Third Bank, and. PNC SmartAccess Card.

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.

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.

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.

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).

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.

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.

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.

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.

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.

1852. Pittsburgh National Bank – the largest subsidiary of Pittsburgh National Corporation – originated in 1852 as the Pittsburgh Trust and Savings Company.

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.

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.

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.

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.

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.

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.

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).

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.

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.

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.

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.

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.

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.

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.

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.

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.

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).