Yes. PNC SmartAccess Prepaid Visa Card and Foundation Checking do not charge overdraft fees. They are both Bank On certified as low cost, no overdraft fee bank accounts.

A maximum of $144 in overdraft or returned item fees, or four per day. A maximum of $98 in continuous overdraft fees — or $7 per day for up to 14 days — if your account stays in the red for more than five consecutive calendar days.

Overdraft coverage is a service your bank may offer where your everyday one time debit card and ATM transactions may process even if you have insufficient funds in your checking account to cover the transactions. The bank covers the shortage until you repay it and may assess you an overdraft fee for doing so.

PNC Bank: A standard overdraft fee of $36 per item will apply; a limit of 4 overdrafts per day. The bank charges a $7 fee for each day an account remains overdrawn for more than five consecutive days, up to $98. Bank of America: A standard overdraft fee of $35 per item will apply; a limit of 4 overdrafts per day.

Adding funds to your SmartAccess® Prepaid Visa Card is easy!

• Set up direct deposit – and get access to your paycheck right away.
• Deposit cash – at any PNC Branch2, or participating Visa ReadyLink retail location3
• Load cash – at select PNC DepositEasy℠ ATMs using the Prepaid Load option4

It is possible to withdraw funds beyond the account balance, but they are subject to repercussions, bank terms, and fees. Funds withdrawn beyond available funds are deemed to be overdrafts that can incur penalties.

Overdraft protection typically allows transactions exceeding the balance in your checking account to be approved and can save you steep overdraft fees. The limit on overdraft fees varies by bank/credit union, but many cap it at four per day.

The PNC offers a mobile app for both iOS and Android devices to check balances and see transaction history. However, the mobile app doesn’t provide for check deposits. No-Fee Cash Withdrawals. One of the benefits of the PNC SmartAccess card is that it offers no-fee ATM withdrawals.

This is a transaction account for everyday spending that charges no account keeping fees if you’re under 25, a student or if you deposit $2,000 a month. With the Commonwealth Bank’s Smart Access everyday account you can withdraw money for free through one of the most extensive ATM networks in Australia.

GoBank is part of Green Dot Corporation. It’s a self-service mobile checking account that offers a huge free ATM network and boasts no overdraft fees.

If you’re overdrawn by $5 or less, PNC will refund any overdraft fees. Also, if you overdraw your account but then deposit enough money to be within the $5 margin by the end of the business day, you won’t be penalized. PNC will automatically refund any overdraft fees.

Virtual Wallet comes with the Overdraft Protection service. PNC automatically links your Virtual Wallet “Spend” checking account to your “Reserve” short-term savings account for overdraft purposes.

PNC allows a $5 margin of error. If you’re overdrawn by $5 or less, PNC will refund any overdraft fees. Also, if you overdraw your account but then deposit enough money to be within the $5 margin by the end of the business day, you won’t be penalized. PNC will automatically refund any overdraft fees.

You can use your PNC SmartAccess Card anywhere Visa ® is accepted. Keep in mind that places like gas stations, hotels and car rentals may place holds on your card. Use your card at gas stations, for public transit, in restaurant drive-thrus and more.