Reviews, Latest Offers, Q&A, Customer Service Info (2023)

PNC Prepaid Debit Cards Reviews












59 reviews

59 reviews

What's Your Rating?

Venus Warren


1 Star Rating

I have been with them for years! Ok, my card was about to expire in 2 days, so I'm like let's give them a call because I haven't received a new card. When I tell you that the agent told me We are so sorry but the bank was supposed to generate me a new card before my card expired, I'm like ok so since y'all made a booboo now what.all you have to wait for 7 to 10 business days for my new card.I am highly upset.I told them y'all really drop the ball on this one. I have bills and things to do. All they kept telling me We are so sorry?.Now put in mind where I'm at now They don't have a PNC Branch where I'm at (Outoftown)??!Why wouldn't they send a card Out through rush delivery....when I tell y'all I am so Maddd!

Product: PNC Prepaid Cards


(Video) Who is Frances Hunsaker? W+ Deal of the Day! Infinity AI Review and Demo



5 Star Rating

I love the Smart Access Card. It's easy to deposit in as well as transferring funds into it if you have a checking or savings account. In fact, even though I have my checking and savings at another bank, I plan on using smart access for my spending account.

Product: PNC Prepaid Cards




5 Star Rating

I have the PNC SmartAccess Prepaid Debit Card, and I've had a great experience with PNC Bank. Every time I call PNC SmartAccess customer service I always get greeted with excellent customer service, they are always so helpful, knowledge, and kind. When I did have small issues they was resolved within 24 hours, or even that minute. I can't say anything about there checking accounts, savings, loans, mortgages, etc. However, there prepaid department is phenomenal. I love my account, I love my card, and I am not a fancy person as a young adult. The card works perfectly for me. 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. I don't use cash app, Venmo, or any of that mess nor do I use Zelle. I think PNC is a great choice! I love this card because it's given me a second chance at banking, because I am in chexsystems and ews and I am thankful for PNC giving me a card that's from them, a trustable bank with tons of branches. The card is my favorite. I am a credit union member, but I do prefer my prepaid card from PNC because it's everything I need, I can't overdraft which is good, and it's smart and simple with a low $5.00 fee. ? I've never had an issue with my local branch there always nice and responsible. I am a regular PNC customer I can do the same as everyone else. I can deposit and withdrawal at the ATM, inside the branch, and drive-thru. Yes, there's limits with deposits, withdrawals and you can only spend $2,500 a day but I go no where near that and I live paycheck to paycheck so again this is an excellent card, and it's a good choice for people who are simple, in chexsystems or ews, need a reliable card with a great bank, teens, or even people getting there foot in the door for a first time card holder, or having a bank account.

Product: PNC Prepaid Cards




1 Star Rating

Received prepaid card without asking for it. Called to ask if i have to return if I don't want and won't activate, but waited 20 minutes on hold. Then when it finally rang, it rang and rang and rang. No one answered, Shows what this bank thinks of its customers. Never will be a customer. Still ringing... I never leave opinions/reviews, but this is such bad service. And still ringing......So glad I'm not a customer.

Product: PNC Prepaid Cards



(Video) How to Respond to Negative Reviews ( & 2 More Steps to Deal With Them)


1 Star Rating

They suck you put money in and can never take it out they had my money for a year but they can take money out anytime they want I will never do business with them anymore

Product: PNC Prepaid Cards




5 Star Rating

I have the PNC SmartAccess card! I love it so much! 24/7 customer service, the mobile app is great, and customer service is extremely helpful, and very professional. (I have a personal account with Wells Fargo, I love, love them) I wanted a 2nd option when it came too my banking, and money. So, I was on PNC and came across the SmartAccess. I read about it and said; this is a great option for me. I have never thought I would love a prepaid card until I met the SmartAccess, it is a great option. 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. 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. I actually recommend the card. Like I said; I have a checking account so, I love this option and every time I walk into PNC to upload money it's FREE! And FREE to withdraw from any PNC ATM or Branch, however, I do not like the fee for none- PNC ATMs or to add money at a none-PNC Branch. It is a great card!.

Product: PNC Prepaid Cards


Lisa Durandisse


1 Star Rating

Wanted a bank rather than, NetSpend, etc, though funds are deposited 2 days early, unlike PNC. And, getting credit on disputed charges is impossible! They act as though it's not your own money, that you seek credit on!!!!! I do not recommend PNC.

Product: PNC Prepaid Cards





1 Star Rating

The lady I spoke with had an attitude, she didn’t care that I was confused. I felt like I was the one in the WRONG simply for asking questions about transactions on my card. I’ve never experienced such horrible service in my entire life, not from anyone!!! I wouldn’t recommended this company to anyone! Or do people with SmartAccess cards get crappy service because it’s a “prepaid” card...

(Video) Q&A - How to deal with potential bad reviews from claims and fees?

Product: PNC Prepaid Cards





1 Star Rating

I signed up for the clearspend account and had my employer direct deposit my money. I requested my company to update my deposit amount due to min deposit amount. They didn't and the bank frozen my acct. I can't touch nor have my own money until after they finish the investigation. I don't understand what they need to investigate into. My company paid a bonus once a year. LET ME HAVE MY MONEY THAT I WORKED HARD FOR. Let me pay my bills and don't let anything bounce.

Product: PNC Prepaid Cards





1 Star Rating

s op fened a Visa Clearspend prepaid card. I got the card and funded it with $25 .A few days later I log into my account and it was closed. No notice and no reason. The customer service is horrible and a bank branch has limited access to accounts and has to call the regular customer service number which is worthless..They send multiple requests into their back office with no results. My funds were sitting there and nothing was being done. After many days and hours on the phone I found posted their internal number they wont give you. (205) 297-3000 its the corporate office in Alabama. I called and they actually released the money to me to pick up at a branch.I don't recommend this card anyone. Its great for the no fees but its impossible to deal with them.Someone could have a direct deposit and if they decide to close your account your stuck . Thankfully I found their back office number.Maybe it will help someone else.

Product: PNC Prepaid Cards



Review PNC Prepaid Debit Cards

PNC Prepaid Debit Cards Q&A

Get answers to your questions about PNC Prepaid Debit Cards below. For more general questions, visit our Answers section.

How can I transfer money from my PayPal to my smart access if my smart access is linked to PayPal


(Video) How to Deal with Negative Reviews


Do you offer Zelle



Why is it taking so long for my direct deposit



Can you switch to a regular checking account after having smart access if you got denied for a regular checking account



How do I get this card



PNCPrepaid Debit Cards

Prepaid Debit Cards



We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.

(Video) Dr Berry's No-Holds-Barred Q&A!


Why does Truist hold checks? ›

Banks place holds on checks to make sure that the check payer has the bank funds necessary to clear it. In addition to protecting your bank, a hold can protect you from spending funds from a check that is later returned unpaid. That's important because it could help you avoid accidental overdrafts and related fees.

What is the withdrawal limit for Truist? ›

Increased daily ATM withdrawal limit of $3,000 and daily purchase limit of $25,000. Account access through Truist Online and Mobile Banking with unlimited online Bill Pay.

What credit score do you need for PNC auto loan? ›

Applicants with a credit score of at least 630 and up to 850 may be eligible for PNC Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. PNC Auto Loans does not have or does not disclose a minimum annual income eligibility requirement.

Does opening a Discover checking account affect credit score? ›

Applying for a checking or savings account won't impact your credit score, but here's what to watch out for.

Is Truist a good bank? ›

Overall bank rating

Truist was formed in 2019 through a merger of two banks, BB&T and SunTrust. Today, Truist Bank is among the top 10 largest banks in the U.S. Truist has a good basic checking account but its savings rates are generally low, and some fees, including overdraft fees, are high and hard to avoid.

How long does it take for Truist to clear a check? ›

Generally, check deposits received by the cut-off time on business days will be available the next day. In some circumstances, Truist does place holds on deposits, which delays when those funds will be available. We encourage you to monitor your account and available balance through Online Banking and Mobile Banking.

What is the minimum balance on a checking account at Truist? ›

Fee information

Have a related3 Truist personal checking account. Keep a minimum daily ledger balance5 of $300 or more. Schedule a recurring preauthorized internal transfer of $25 or more per statement cycle. Be under 18 years of age.

Does Truist have fees? ›

Is Truist One Checking free? No, but we've made it easy to waive the $12 monthly maintenance fee. Plus, Truist One Checking doesn't charge overdraft fees or overdraft related fees, like returned item, negative account balance, or overdraft protection transfer fees. And some ATM and personal check fees are waived.

What is the minimum balance for Truist? ›

The Monthly Maintenance Fee can be waived by: Maintain a minimum daily ledger balance1 of $300 OR. Schedule a recurring preauthorized internal transfer of $25 or more per statement cycle into the Truist One Savings Account OR. Waived for a minor under the age of 182 OR.

What FICO score do I need to get a car? ›

In general, you'll need a credit score of at least 600 to qualify for a traditional auto loan, but the minimum credit score required to finance a car loan varies by lender. If your credit score falls into the subprime category, you may need to look for a bad credit car loan.

What credit score do you need to get a decent car? ›

What Is the Minimum Score Needed to Buy a Car? In general, lenders look for borrowers in the prime range or better, so you will need a score of 661 or higher to qualify for most conventional car loans.

What credit score do I need to get a good car? ›

The higher your credit score, the better the rate you'll get for any loan. A credit score above 660 will typically allow you to qualify for an auto loan without a hassle. A credit score of 760 and above will typically allow you to qualify for auto maker special financing that can offer low-APR loans and rebates.

Why did Discover stop checking accounts? ›

It had begun selling the new service in April. After launching the product, Discover “pulled back on the marketing because of the amount of fraud we were seeing,” CEO Roger Hochschild said Tuesday at the Goldman Sachs financial services conference.

Is it good to bank with Discover? ›

In fact, most of the time, Discover Bank is on our list of the best high yield savings accounts and our list of the best money market accounts. They also have a very compelling checking account and great CDs.

Is Discover Card good to build credit? ›

Paying the security deposit on a secured card might not appeal to everyone at first, but the Discover it® Secured Credit Card could be one of your best options for building or rebuilding your credit. It reports to the three major consumer credit bureaus and offers plenty of useful features, all with no annual fee.

Is Truist a Chinese company? ›

Truist Financial Corporation is an American bank holding company headquartered in North Carolina, U.S. It was formed in 2019 through the merger of BB&T (Branch Banking and Trust Company) and SunTrust Banks.

What banks are better than Truist? ›

Here are our picks for the best national banks of 2022-2023:
  • Chase Bank: Best overall.
  • Citibank: Best rate.
  • PNC Bank: Best combo checking/savings account.
  • TD Bank: Best checking perks.
  • Wells Fargo: Best for mobile banking.
  • U.S. Bank: Best for low fees.
  • Truist: Best for relationship rewards.
Nov 15, 2022

Is Wells Fargo better than Truist? ›

Truist Financial is most highly rated for Compensation and benefits and Wells Fargo is most highly rated for Compensation and benefits. Learn more, read reviews and see open jobs.
Overall Rating.
Overall Rating3.63.7
Job security and advancement3.13.4
2 more rows

How long does it take for a $20000 check to clear? ›

Usually within two business days for personal checks but up to seven for some accounts. Usually one business day for government and cashier's checks and checks from the same bank that holds your account.

What happens when you deposit over $10000 check? ›

The Law Behind Bank Deposits Over $10,000

It states that banks must report any deposits (and withdrawals, for that matter) that they receive over $10,000 to the Internal Revenue Service. For this, they'll fill out IRS Form 8300.

How much cash can you deposit in the bank without being questioned? ›

We're here to help!

The IRS requires banks and businesses to file Form 8300, the Currency Transaction Report, if they receive cash payments over $10,000. Depositing more than $10,000 will not result in immediate questioning from authorities, however.

What does code 130 mean for Truist Bank? ›

CHECKS PAID AND OTHER DEBITS. 150100. Checks Paid - Regular. 35. 130.

What bank owns Truist? ›

The company was acquired by SunTrust in 2001. In June 2020 SunTrust Robinson Humphrey and BB&T Capital Markets combined to form the new Truist Securities.

Is Zelle free Truist? ›

There's no fee to send money with Zelle® from your enrolled Truist business account. However, Zelle® payments deposited into your business account will be charged a 1.0% fee by Truist. The maximum fee is capped at $15 per received transaction.

Does Truist run your credit? ›

Yes, a light credit check is required.

How much does Truist charge to close an account? ›

See the Personal Deposit Accounts Fee Schedule for further details. Truist One Checking is a non-interest bearing account. Statements are provided monthly and may be combined with other deposit accounts. Accounts closed in a charged-off status, $30.

Is Truist bank financially stable? ›

Truist Bank's short-term deposits are rated 'F1+' in accordance with Fitch's Bank Rating Criteria based on Truist Bank's long-term deposit rating and Fitch's assessment of TFC's funding and liquidity profile.

Is Truist bank debit card free? ›

There is no monthly fee and no charge for enrolling in Truist Deals. Truist Personal Credit Cards, Personal and Business Debit Cards and Money Account cards are eligible for Truist Deals.

What is Truist overdraft limit? ›

The maximum you can spend on overdraft fees is $108 a day. Truist used to charge an additional $12.50 fee for transferring funds from a linked account to an account with a negative balance. This fee was for customers enrolled in the overdraft protection program. This service is now available for free.

How long is an administrative hold on a check Truist? ›

An extension of up to five business days for most checks. An extension of one business day for checks that are drawn on, and deposited into, the same bank.

Why is my check funds on hold? ›

Common reasons for placing a hold on a check or deposit include but are not limited to: Accounts with frequent overdrafts. New customer. High-dollar deposits that exceed the total available balance in the account.

How do you remove a hold on a check? ›

Contact Your Bank

You can ask your bank to provide an explanation for the hold or sometimes even to release the hold. In most cases, you won't be able to do anything about the hold though, and because all banks have them, you can't switch banks to avoid them either.

Can a check hold be released early? ›

Request Early Release: If there is a reason a check is unlikely to bounce, you can request an early release of your money. An example would be a payroll or reimbursement check from your employer.

What is the $225 rule? ›

Generally, a bank must make the first $225 from the deposit available—for either cash withdrawal or check writing purposes—at the start of the next business day after the banking day that the deposit is made. The rest of the deposit should generally be available on the second business day.

Can a bank legally hold your money? ›

Yes. Your bank may hold the funds according to its funds availability policy. Or it may have placed an exception hold on the deposit. If the bank has placed a hold on the deposit, the bank generally should provide you with […]

What to do if a bank won't give you your money? ›

File a Complaint With the Consumer Financial Protection Bureau. If contacting your bank directly does not help, you can complain to the Consumer Financial Protection Bureau (CFPB) about: Checking and savings accounts.

How long can a bank legally put a hold on a check? ›

The Federal Reserve requires that a bank hold most checks before crediting the customer's account for no longer than a “reasonable period of time,” which is regarded as two business days for a same-bank check and up to six business days for one drawn on a different bank.

How long does it take for a $30000 check to clear? ›

Generally, the whole check should clear within two business days, except for amounts larger than $5,525., U.S. Office of the Comptroller of the Currency.

What app will cash a check immediately? ›

With the Ingo® Money App, cash paychecks, business checks, personal checks—almost any type of check—anytime, anywhere. Get your money in minutes in your bank, prepaid card and PayPal accounts.

Do banks get suspicious of cash deposits? ›

Banks report individuals who deposit $10,000 or more in cash. The IRS typically shares suspicious deposit or withdrawal activity with local and state authorities, Castaneda says. The federal law extends to businesses that receive funds to purchase more expensive items, such as cars, homes or other big amenities.

Can the bank tell you who cashed your check? ›

No. A bank statement will have the check number, amount and what date the check has cleared. You may be able to get the name of the person who cashed the check through other means (such as a physical examination of the actual cancelled check), but this information will not appear on the actual bank statement.

How long does it take for a hold to be removed from an account? ›

How long does a bank account hold last? Most bank account holds last two to seven business days. Large checks between accounts that use the same bank may incur holds that last two business days. If the check writer uses a different bank than you, it can take up to seven business days for the hold to get removed.


1. ThriveDesk Review ❇️ Community Support Platform 🔥 Lifetime Deal
(Software Pilot (Legit Marketing Reviews))
2. NCLEX Reviewer No. 3: Health Promotion and Maintenance | Review Central
(Review Central)
3. Best Ai Chatbot | Support Board Review | Support Board Lifetime Deal Support Board
(🔥 TOP Digital Products 🔥)
4. Desku Lifetime Deal - All In One Customer Support Software - Review, Demo, Tutorial
(Download Silo)
5. Support Board Review [Lifetime Deal] | No-Code Chatbot System, Best Intercom Alternative
6. OneBar Yearly Deal $99 - Q&A Platform For Your Team | OneBar Review And Demo
(All Lifetime Deals)
Top Articles
Latest Posts
Article information

Author: Msgr. Refugio Daniel

Last Updated: 03/24/2023

Views: 6093

Rating: 4.3 / 5 (74 voted)

Reviews: 81% of readers found this page helpful

Author information

Name: Msgr. Refugio Daniel

Birthday: 1999-09-15

Address: 8416 Beatty Center, Derekfort, VA 72092-0500

Phone: +6838967160603

Job: Mining Executive

Hobby: Woodworking, Knitting, Fishing, Coffee roasting, Kayaking, Horseback riding, Kite flying

Introduction: My name is Msgr. Refugio Daniel, I am a fine, precious, encouraging, calm, glamorous, vivacious, friendly person who loves writing and wants to share my knowledge and understanding with you.