PNC SmartAccess Fee Information

PNC SmartAccess® Prepaid Visa® Card

  • Monthly fee

    $5.00
  • Per purchase

    $0
  • ATM withdrawal

    $0 in-network
    $3.00 out-of-network
  • Cash reload

    $4.95*
Type of fee Amount
ATM balance inquiry (in-network or out-of-network) $0 or $3.00
Customer service (automated or live agent) $0
Inactivity $0
We charge 6 other types of fees.
Type of fee Amount

*This fee can be lower depending on how and where this card is used.

No overdraft/credit feature.

Your funds are eligible for FDIC insurance.

For general information about prepaid accounts, visit cfpb.gov/prepaid.
Find details and conditions for all fees and services by visiting
pnc.com/smartaccess or calling 866-304-2818.

Schedule of Fees
PNC SmartAccess® Prepaid Visa® Card

Effective February 2, 2020


Opening and Usage
All fees Amount Details
Card Opening $0  
Monthly Fee $5.00 Primary cardholders only. This fee is assessed upon activation of your initial card or upon ordering a replacement card and then each month thereafter.
Purchase Fee $0 Signature, PIN or PIN with cash back
Reload Funds (via PNC) $0 Via PNC Branch, PNC ATM, and Direct Deposit
Reload Funds (via ReadyLink merchants) $4.95 Service charge may be assessed by the Visa ReadyLink merchant. This fee may vary by merchant.
Secondary Card $0  
Online Banking and Telephone Banking
All fees Amount Details
Balance Inquiry $0 Via Online or Automated Phone
Text and Email Alerts $0 Your wireless carrier may charge you standard text message rates.
ATM and Card Transactions
All fees Amount Details
In-Network (PNC ATMs) ATM Withdrawal Fee or ATM Balance Inquiry Fee $0 Per withdrawal or balance inquiry at PNC Bank ATMs
Out-of-Network (Non-PNC ATMs) ATM Withdrawal Fee or ATM Balance Inquiry Fee $3.00 Per withdrawal or balance inquiry at non-PNC ATMs in the United States, Canada, Puerto Rico and U.S. Virgin Islands. When you use a non-PNC ATM, you may also be charged a fee by the ATM operator.
International ATMs ATM Withdrawal Fee or ATM Balance Inquiry Fee $5.00 Per withdrawal or balance inquiry at non-PNC ATMs in all other countries. In addition, you may also be charged a fee by the ATM operator.
Teller Withdrawal (PNC Branch) $0  
Teller Withdrawal (Non-PNC Branch) $0 Additional charges may be assessed by the other financial institution.
Foreign Transaction Fee 3% Fee calculated on the U.S. dollar amount of each international transaction.
Other Card Charges and Services
All fees Amount Details
Online Statements $0 Via pnc.com/smartaccess
Paper Statements $2.00 This fee is assessed for monthly delivery of statements, but not for a one time request.
Card Replacement $7.50  
Express Card Delivery $25.00  
Balance Refund/Paper Check $10.00 For a refund of outstanding balance

Your funds are eligible for FDIC insurance.

No overdraft/credit feature.

If you have questions related to your PNC SmartAccess account, visit pnc.com/smartaccess, call 866-304-2818 or write to PNC Bank c/o Visa Inc., USCS P.O. Box 026098, Miami, Florida 33102-6098.

For general information about prepaid accounts, visit cfpb.gov/prepaid.

If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint .