Getting a SmartAccess Prepaid Visa Debit Card is as simple as using it to manage your finances. To apply, you need to be a U.S. citizen or resident over the age of 18, with a valid SSN and mailing address. You also need to open a PNC checking or savings account to fund your card.

There are several different ways in which you can add funds to your SmartAccess Prepaid Visa Debit Card. You can do so via direct deposit for your paycheck or government benefit payments. You can also deposit cash at a PNC branch, PNC DepositEasy℠ ATMs, or participating locations.

To own this card, you’ll have to pay a small monthly fee of $5. For out-of-network reloads at participant locations, there’s a $4.95 fee as well. If you need to withdraw money on an out-of-network ATM within the U.S., you’ll pay $3. For international withdrawals, it’s $5. There’s also a 3% foreign transaction fee, and a $2 fee for paper statements.