The PNC Prepaid Visa makes it easy to pay your bills and setup direct deposit while protecting your money. The card is free and the minimum deposit to open an account is only $25. Additionally, the PNC SmartAccess Prepaid Visa offers one of the lowest monthly fees of any prepaid card, only $5 per month.
Features and Benefits
Should your wallet ever be lost or stolen you’ll be glad that you chose the PNC SmartAccess Prepaid Visa over cash. With cash, if it’s lost or stolen there’s no way to get your money back. However, your deposits on this prepaid Visa are FDIC-insured by the government. Simply contact PNC to report your card is missing, it’s that easy.
Another benefit of prepaid cards over other bank accounts is that you never have to worry about overdraft fees. You have access to the money you put on the card, but you don’t have to worry about racking up debt or being charged interest on a loan. Similar to a bank account, you can check your balance online, at an ATM, or over the phone. You can even setup text and email reminders to keep you informed about your account balance.
Using the PNC SmartAccess Prepaid Visa, you can pay your bills online. Although PNC SmartAccess does not have their own internal bill pay service, ChargeSmart allows you to pay your auto, mortgage, student loans, utilities, and much more using a credit, debit, or prepaid card. Once you visit our website, ChargeSmart.com, you will be able to find your biller and make a payment in less than 2 minutes.
The PNC SmartAccess Prepaid Visa is accepted at restaurants and shops around the world. Anywhere Visa is accepted, you can use this card. However, frequent travelers should be aware of the 3% foreign transaction fee. This card is better suited to people that rarely travel outside the United States and want all the features that come with other credit cards, but don’t want to deal with overdraft charges.
This card includes 24 hour online banking, free ATM access on the PNC network, and a mobile app for your smartphone. You can also add money to the card by setting up direct deposit, making a deposit at any PNC branch, or with any Visa ReadyLink location. You can even request up to two additional cards for shared access to your account.
PNC SmartAccess PrePaid Visa Fees
The $5 monthly fee makes this card one of the least expensive prepaid Visa cards on the market. For this fee, you get access to several features that are not included with cash. This includes protection in the event you card is lost or stolen. You also have access to your money from any ATM around the world. Although there is a 3% foreign transaction fee if the card is used outside the United States. Don’t forget, you also avoid overdraft fees, interest, and debt by using a prepaid card.