A maximum of eight (8) linked PNC accounts, inclusive of the Spend and Reserve for Virtual Wallet with Performance Select, may be considered in the combined average monthly balance relationship. Bank deposit products and services provided by PNC Bank, National . Funds will be fully available on the second business day following the deposit date. Mobile Deposit is a feature of PNC Mobile Banking. Sign-up here. Eligible. They act as though it's not your own money, that you seek credit on!!!!! Note: Most big banks require you to enter your zip code online for the correct account offerings, and in some cases, you might not be able to open an account because of your location. $1,500 daily balance to avoid monthly maintenance fee. Best at U.S. Bank: U.S . Your wireless carrier may charge you standard text message rates. PNC Mortgage is a division of PNC Bank, National Association, a subsidiary of PNC. Be sure to check with your biller before making payments. Wells Fargo vs. Bank of America: Which Is the Right Bank for You? And, getting credit on disputed charges is impossible! Low Cash Mode is only available on the Spend account of your Virtual Wallet product. To best meet your needs, we have three levels of Spend (checking) to choose from. A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet. PNC product and feature availability varies by location. 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. How Mobile Banking Can Help You Save Time and Money, Virtual Wallet with Performance Spend Features and Fees, Virtual Wallet with Performance Select Features and Fees, Read a summary of privacy rights for California residents. I felt like I was the one in the WRONG simply for asking questions about transactions on my card. The right insights and ideas can help you make the most of today. 0. Please let us know if you notice any differences. It would be great after the few little bugs were gone!!! PNC ATMs can be located onlinehere. The lady I spoke with had an attitude, she didnt care that I was confused. See our methodology, terms apply. 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. Limitations apply. I signed up for the clearspend account and had my employer direct deposit my money. Visit pnc.com . or maintain a minimum daily balance of $1,500 or more, or be a student under age 24 who's enrolled in high school, college, university or a vocational program, Chase is no. 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. To determine which big bank checking accounts offer the most convenience, CNBC Select analyzed dozens of U.S. checking accounts offered by the largest national banks and credit unions. Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. We're here to help when you do. Virtual Wallet, PNC Pay, and PNC Purchase Payback are registered marks of The PNC FInancial Services Group, Inc. Low Cash Mode is a registered mark of The PNC Financial Services Group, Inc. Zelleand the Zellerelated marks are wholly owned by Early Warning Services, LLC and are used herein under license. While banks have traditionally complied with federally enforced limits of six savings account transactions per calendar month, the Federal Reserves recent changes to Regulation D no longer require that banks enforce this limit. Is PNC smart access a checking account?Aug 3, 2019You can open a PNC SmartAccess Card for free, although a $25 minimum deposit is required. deposit (reload) onto your PNC SmartAccess Card will become available for your use. (See our methodology for more information on how we choose the best checking accounts.). Instead, you can use the ATM to generate a one-time access code that will be sent to your phone via text message. Safety starts with understanding how developers collect and share your data. Again, PNC reserves the right to set it based on your banking relationship with them. And still ringingSo glad I'm not a customer. when you open and use a select, new Virtual Wallet., Annual Percentage Yield (APY) on select Virtual Wallet Growth accounts with relationship rates. With the PNC Cash RewardsVisaCredit Card. [email protected], PNC Media Relations 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. All Right Reserved. or make qualifying direct deposits totaling $500 or more, or have a linked Wells Fargo Campus ATM Card or Campus Debit Card (for college students). The downside is that its only for PNC ATMs. Can't deposit checks. Apple, Apple Watch, iCloud, Mac, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. PNC has numerous patents/pending patent applications directed at various features and functions of Virtual Wallet. It has the basic features common to most prepaid cards, like free direct deposit. I never leave opinions/reviews, but this is such bad service. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). 300 Fifth Avenue I love my account, I love my card, and I am not a fancy person as a young adult. Run a home equity savings scenario and see your loan options. Download it from the App Store or Google Play and take control of your money: Scammers and hackers are getting more sophisticated. Offer may be extended, modified or discontinued at any time and may vary by market. When you open and use a new, qualifying business checking account. You can load cash to the card for free at PNC branches and ATMs. The PNC SmartAccess Prepaid Visa Card is offered by PNC Bank, which has branch and ATM locations in 19 states. For online or phone origination, the Zip code of your primary address will be used to determine product availability. Funds will be fully available on the second business day following the deposit date, If you are still within your first 30 days of membership with PNC Bank, longer delays on deposit availability may apply, 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. See our comprehensive list and quickly find the right routing number for you. Shopping recommendations that help upgrade your life, delivered weekly. See thePNCZelleTerms of Usefor additional terms and conditions. All loans are provided by PNC Bank, National Association and are subject to credit approval and property appraisal. Frequent overdrafts, fraudulent transactions and negative balances leave you at risk for additional account restrictions. Check balances & recent transactions See current account activity for your checking, savings, credit card and loan accounts. SmartAccess Prepaid Visa Key Features Easy Access Load funds easily via direct deposit or cash. When you open and use a new, qualifying business checking account. 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! Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Mobile deposit is now available to all consumer and small business customers of PNC Bank after its introduction to PNC Virtual Wallet customers in April. Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer. 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. PNC is committed to moving all forward financially and boosting the quality of life in low- and moderate-income communities. The maximum card balance for the PNC SmartAccess card is $10,000somewhat lower than the average prepaid card. 10 Not-So-Obvious Money Tips for Empty Nesters. The APY shown is the highest balance tier relationship rate for Virtual Wallet with Performance Select Growth Account.**. 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. 300 Fifth Avenue I am a regular PNC customer I can do the same as everyone else. June 20, 2022 @gotohell. To view or download broadcast quality video and images related to this announcement, visit http://pnc.thedigitalcenter.com. Terms and conditions of this offer are subject to change without notice. Starting with the calendar month following when you open your Virtual Wallet Growth Account and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month. Set Up Alerts 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. These. Your earnings depend on any associated fees and the balance you have in your checking account. 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. Whether it is because of an enticing offer from a competing bank or because you are merging accounts with a significant other, there may come a time when you decide to close an account. Using direct deposit is free. It lacks some features that users might find important, however. to find out what the ATM withdrawal limit is on a calendar day. It has a simple fee structure and fee-free ATM access at PNC ATMs. (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. It seems to UNrecognize my fingerprint ALL the time. 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. Find your number by state here. Bank deposit products and services provided by PNC Bank, National Association. What should you be thinking about today, at this stage of your life, to improve your financial outlook? Copyright 2023 PNC Bank . The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms, and may be considered taxable income to you. Use ofZelleis subject to and conditional upon adherence to the terms and conditions of thePNCZelleTerms of Use. . 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. All due respect, this is the one banking app that drives me crazy. The customer first selects the deposit account and the amount, photographs the front of the check and then the back. 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. Your Virtual Wallet product must remain open in order for you to receive the reward, which will be credited to the eligible account within 6090 days after all conditions have been met and will be identified as Credits Check Reward on your monthly statement. Catch up on Select's in-depth coverage ofpersonal finance,tech and tools,wellnessand more, and follow us onFacebook,InstagramandTwitterto stay up to date. App is great, but need to be able to manually enter deposit amounts if it cant properly read the amount. If you do not know your default number for setting up access to Online Banking call us at 1-888-PNC-BANK (762-2265), Monday-Friday: 7 a.m.-10 p.m. If you appreciate our content and want to help support the site, please use the affiliate links to order products. Eligible PNC Bank account and PNC Bank Online Banking required. 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. $1,500daily balance to avoid monthly maintenance fee. Budget we recommend upgrading your browser. Advertiser Disclosure: This site may be compensated in exchange for your clicking on links posted on this website. I love the Smart Access Card. Credit card cash advance transfers, wire transfers, person to person transfers, transfers from one account to another or deposits made at a physical PNC location or ATM do not qualify as qualifying Direct Deposits. But, where some prepaidcards offer to waive the monthly fee, theres no way to waive the monthly fee with PNCs card. Electronic deposits made into this account totaling $500 or more. Member FDIC In Case of Errors or Questions about Your Transactions Start the conversation with a PNC Mortgage loan officer. Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free. For information about PNC, visit www.pnc.com. Together. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article. Shop Pay is an innovative payment solution developed by Shopify. Originator is also authorized to initiate debit entries to reverse or adjust any credits or overpayments I do not recommend PNC. Bank deposit products and services provided by PNC Bank, National Association. Convenient to Use Pay Bills * Keep in mind that if you spend more money than is available in your account, PNC may decline additional spending until your account is in the positive again. Do You Know the Most Common Types of Cybercrime? Check your local branch to find out what the ATM withdrawal limit is on a calendar day. PNC SmartAccess Prepaid Visa Card not what you are looking for? [7], Pay Bills* They can conveniently use the card for shopping online and in store purchases. 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. access. Check your balance, view your purchases and monthly statements, manage your alerts and security settings. !Why wouldn't they send a card Out through rush delivery.when I tell y'all I am so Maddd! Important Legal Disclosures & Information, How Mobile Banking Can Help You Save Time and Money, 6 Ways to Help Safeguard Your Identity and Finances, 6 Ways to Help Improve Your Financial Outlook at Every Life Stage, Read a summary of privacy rights for California residents. Worse still, if you don't notice it didn't read the amount right, you have to wait for the deposit to be declined just to be able to take it to the bank to have it deposited (for me that means a 30 minute drive each way). The SmartAccess card can be used to pay for anywhere that Visa debit cards are . Let me pay my bills and don't let anything bounce. With the PNC Cash RewardsVisaCredit Card. Please refer to thePNC SmartAccess Terms and Conditionsfor details. Received prepaid card without asking for it. You should have received this number in the mail shortly after opening your account. Three accounts paired with digital tools to help you manage your money. These ATM withdrawal limits vary from location to location. Visit pnc.com . However, there prepaid department is phenomenal. Follow @PNCNews on Twitter for breaking news, updates and announcements from PNC. User IDs potentially containing sensitive information will not be saved. All rates and Annual Percentage Yields (APYs) are accurate as of . Get answers to your questions about PNC Prepaid Debit Cards below. Member FDIC. MemberFDIC. In fact, even though I have my checking and savings at another bank, I plan on using smart access for my spending account. Photographs the front of the offers appearing on this site may be,. This account totaling $ 500 or more your own money, that you seek credit on disputed is! This number in the WRONG simply for asking questions about PNC Prepaid debit cards are anywhere that debit. 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