Everyone can have a low cash moment. 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. Using direct deposit is free. Instead, you can use the ATM to generate a one-time access code that will be sent to your phone via text message. 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. 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. Safety starts with understanding how developers collect and share your data. 2023 GOBankingRates. "Particularly during this pandemic, a safe, affordable, and truly useful mainstream banking product in which to deposit stimulus payments and from which to remotely pay bills is more important than ever. I actually recommend the card. Bank deposit products and services provided by PNC Bank, National Association. Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information. However, for others, ATM fees can add up and some important features, like mobile check deposit, are missing. She earned her BA from the University of West Florida and her MA from Full Sail University. 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. Bank deposit products and services provided by PNC Bank, National . The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms, and may be considered taxable income to you. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). If your teen or student works, they can load funds to the card or have their paycheck directly deposited. 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. 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. The rates and fee structures for checking accounts are subject to change without notice and they often fluctuate in accordance with the prime rate. Editorial Note: This content is not provided by any entity covered in this article. PNC Mortgage is a division of PNC Bank, National Association, a subsidiary of PNC. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. (412) 762-4550 You need immediate access to your deposited funds Bills or payments are due You want peace of mind that your money is available right away How It Works 1. Thankfully I found their back office number.Maybe it will help someone else. PNC's mobile deposit, which can be used by any customer with access to PNC Online Banking and an eligible deposit account, allows customers to make deposits anywhere at any time. Fund your SmartAccess card at any PNC branch[5], PNC DepositEasy ATMs[6], and at any participating Visa ReadyLink retail locations. Transfer limits are set at the account level and vary from customer to customer. Every time I call PNC SmartAccess customer service I always get greeted with excellent customer service, they are always so helpful, knowledge, and kind. They didn't and the bank frozen my acct. Shop Pay is an innovative payment solution developed by Shopify. The PNC Financial Services Group, Inc. All rights reserved. "This dual certification illustrates PNC's commitment to serving the full spectrum of our communities throughout every life and financial stage moving all forward financially," said Cathy Niederberger, PNC's director of Community Development Banking. What should you be thinking about today, at this stage of your life, to improve your financial outlook? The SmartAccess card can be used for purchases anywhere that Visa debit cards are acceptedeither online or in-store. Bank On's 2021-2022 Standards require low cost, no overdraft, and full-functioning features. Online banks often offer customers better rates and lower fees since big banks have to recoup overhead costs to keep physical branches up and running. Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. The website you are connecting to is: {0}, In Case of Errors or Questions about Your Transactions. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offers details page using the designation "Sponsored", where applicable. Use ofZelleis subject to and conditional upon adherence to the terms and conditions of thePNCZelleTerms of Use. Visit pnc.com . It has a simple fee structure and fee-free ATM access at PNC ATMs. Bank deposit products and services provided by PNC Bank, National Association. Choose a high-interest saving, checking, CD, or investing account from our list of top banks to start saving today. The APY shown is the highest balance tier relationship rate for Virtual Wallet with Performance Select Growth Account.**. Update includes: https://www.pnc.com/mobile-privacy-policy. Katy Hebebrand is a freelance writer with eight years of experience in the financial industry. The daily ATM cash limit is $500, also lower. By using your zip code, we can make sure the information you see is accurate. The new mobile deposit feature arrives as more consumers are choosing online and mobile banking services over traditional options. And, getting credit on disputed charges is impossible! Load funds easily via direct deposit or cash. If you think, this answer is doesn't really help or is somehow harmful, please mind, this made with EDUCATIONAL purpose. Earn $400 when you open and use a new Virtual Wallet with Performance Select product. The card charges a $5 monthly fee, no transaction fees, and no activation fees. You can use your PNC Bank debit card an unlimited number of times to access your money. 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. When I did have small issues they was resolved within 24 hours, or even that minute. access. LET ME HAVE MY MONEY THAT I WORKED HARD FOR. Direct Deposit Many PNC Bank ATMs dont require your card for account access. I read about it and said; this is a great option for me. If youve already withdrawn as much cash as youre allowed to using your debit card for the day, there are still a few ways to get additional funds. but when I close the app it blanks out what I've already put in the password field. Transactions typically occur in minutes between enrolled users. The limits are a bit lower than the average prepaid card. Editor's Note: APYs listed in this article are up-to-date as of the time of publication. I think PNC is a great choice! ONLINE BANKS: What Are They and Are They Right for You? WalletHub makes it easy to compare prepaid debit cards across many companies. 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. The fees you pay on your bank account might not seem like a lot, but they can quickly add up. For meeting National Account Standards, PNC SmartAccess is certified as a low-cost, low-fee account by Bank On. Please fix! Virtual Wallet Features and Fees, Earn $200 when you open and use a new Virtual Wallet with Performance Spendproduct, Virtual Wallet Fine Print 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. The customer first selects the deposit account and the amount, photographs the front of the check and then the back. In order to qualify for a Relationship Rate, you must have a linked Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet and meet one of the following requirements: (A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. The Tower at PNC Plaza Entering a partnership with another person comes with all sorts of decisions, one of the biggest being what to do about money. However, there prepaid department is phenomenal. "Mobile deposit is another way that PNC makes it easier for customers to achieve their financial goals with innovative products and new technology.". In 2010, PNC added new features to Virtual Wallet that help customers save more, manage spending and avoid mistakes. Never will be a customer. It is estimated that 40 percent of U.S. consumers will be banking on their phones by 2012 compared to almost none just a few years ago. 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. The total amount of all qualifying Direct Deposits credited to your Spend account must be at least $5,000 for Virtual Wallet with Performance Select, $2,000 for Virtual Wallet with Performance Spend or $500 for Virtual Wallet. However, the amount of cash you can access via an ATM in total may have a cap. When autocomplete results are available use up and down arrows to review and enter to select. We are here to assist with your questions and listen to your feedback. Find Out: offers flexible banking options via their smart ATMs. Get answers to your questions about PNC Prepaid Debit Cards below. June 20, 2022 @gotohell. If you are still within your first 30 days of membership with PNC Bank, longer delays on deposit availability may apply. However, the daily cash load limit of $5,000 is higher than most cards. or maintain a $5,000 minimum monthly balance in Spend and Reserve, or maintain $25,000 in all PNC consumer and/or investments accounts, Easily waive the monthly maintenance fee with an open U.S. Bank personal line of credit, home mortgage, home equity loan and line of credit, personal and purpose loan or activated credit card, 2 out-of-network ATM reimbursements per statement period, No overdraft protection transfer fee for transfers made from a linked deposit account, Preferred rates on new auto loans, home equity loans or lines, and other personal loans (autopay may be required for benefit), Up to 2 additional Easy Checking accounts with no monthly maintenance fee (requires you to be an account holder), Have open a qualifying U.S. Bank account, such as a personal line of credit, home mortgage, home equity loan and line of credit, personal and purpose loan or activated credit card. Even small changes can become big steps toward your savings, budgeting and retirement goals. Received prepaid card without asking for it. If you currently have amembership with the United Services Automobile Association, more commonly known as USAA, or you plan to do business with someone who banks at USAA Federal Savings Bank, Find the full list of PNC routing numbers here. These two accounts provide you with extra layers for overdraft protection and savings. Theres no charge either way. Explore the options below to compare account benefits further. Access to your money online, at ATMs and on the PNC SmartAccess Mobile app. Use as a primary card or as a complimentary to your current PNC accounts. And still ringingSo glad I'm not a customer. We're here to help when you do. 2 on J.D. Best at Chase: Chase Total Checking. Please find below prepaid debit cards offered by PNC. To help you choose the right bank for your needs, CNBC Select evaluated dozens of checking accounts offered by big banks, offering access to at least 2,000 physical branches and over 4,000 fee-free ATMs in the U.S. We considered features like fees, minimum balance requirements and ease of use, among other factors to choose the top five best big bank checking accounts. How is the PN. ET Saturday & Sunday: 8 a.m.-5 p.m. For Virtual Wallet with Performance Select, the calculation of the $5,000 combined monthly checking balance requirement includes the total of all funds in the Spend and Reserve from this package, and up to 6 linked benefit accounts if they are checking accounts. Read a summary of privacy rights for California residentswhich outlines the types of information we collect, and how and why we use that information. I can't touch nor have my own money until after they finish the investigation. Deposit Limits and Availability for PNC Bank ATMs While there are no limitations on ATM deposits, there are some important guidelines for deposit availability: Cut-off Times Deposits made before 3 p.m. EST at non-PNC Bank ATMs and before 10 p.m. EST at PNC Bank ATMs will be processed same-day. PNC First Bank To Offer Two Bank On Certified Accounts, National certification illustrates PNC's support of customers in every life and financial stage. For overdraft protection and savings Hebebrand is a freelance writer with eight of. Read about it and said ; this is a freelance writer with eight of! Used for purchases anywhere that Visa debit cards below banking options via their smart ATMs: APYs in! 'S 2021-2022 Standards require low cost, no transaction fees, and full-functioning features at..., a subsidiary of PNC the deposit account and the Bank frozen my acct, longer delays on deposit may! And vary from customer to customer understanding how developers collect and share your.. 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