She earned her BA from the University of West Florida and her MA from Full Sail University. Online banking and PNC SmartAccess Mobile app. I do not recommend PNC. Received prepaid card without asking for it. There is no inactivity fee, but the PNC SmartAccess card will charge $10 to refund the card balance if the card is canceled. The PNC SmartAccess Prepaid Visa Card is issued by PNC Bank, which has branch and ATM locations in 19 states. Here are some of the common checking account fees you may incur: While these fees can add up, you can avoid them by responsibly managing your account and always maintaining a positive balance. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement. Ok, my card was about to expire in 2 days, so I'm like let's give them a call because I haven't received a new card. [7], Pay Bills* Once you've created. we recommend upgrading your browser. 2023 The PNC Financial Services Group, Inc. All rights reserved. from an eligible PNC checking or savings account using PNC Online . PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc. Visais a registered trademark of Visa International Service Association and used under license. 300 Fifth Avenue 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. And FREE to withdraw from any PNC ATM or Branch, however, I do not like the fee for none- PNC ATMs or to add money at a none-PNC Branch. Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your account using your Visa Debit Card or to your linked Visa Credit Card. Transfer limits are set at the account level and vary from customer to customer. The card is my favorite. However, third party message and data rates may apply. 8 Surprising Things You Can Do Without Going Into a Bank. PNC does not charge a fee for the SmartAccess Mobile App. However, the mobile app doesnt provide for check deposits. 2023 SELECT | All rights reserved. For Virtual Wallet with Performance Select accounts eligible for inclusion in the $25,000 combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit, retirement certificate of deposit, and/or investment accounts. is pleased to announce it is the first bank to offer two products that meet the Cities for Financial Empowerment Fund (CFE Fund)'s Bank On national certification. A maximum of eight (8) linked PNC accounts, inclusive of the Spend and Reserve for Virtual Wallet with Performance Select, may be considered in the combined average monthly balance relationship. Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints. I love my account, I love my card, and I am not a fancy person as a young adult. Thank you for using PNC Mobile. Visa Global Privacy Notice. The customer first selects the deposit account and the amount, photographs the front of the check and then the back. Your PNC SmartAccess Prepaid Visa routing number is associated with the location of the bank where you opened your account. Set up direct deposit for your paycheck or government benefit payments and get access to your money right away. Other cash load options typical for prepaid cards like Green Dot MoneyPak arent available for PNCs prepaid card. Use these tips to help protect your personal data and finances. You may earn a $400 reward if you open and use a new Virtual Wallet with Performance Select, a $200 reward if you open and use a new Virtual Wallet with Performance Spend, or a $50 reward if you open and use a new Virtual Wallet. Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free. Product: PNC Prepaid Cards. PNC product and feature availability varies by location. If you do not know your default number for setting up access to Online Banking call us at 1-888-PNC-BANK (762-2265), Monday-Friday: 7 a.m.-10 p.m. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). To open an account, some banks and institutions may require a deposit of new money, meaning you cant transfer money you already had in an account at that bank. WalletHub makes it easy to compare prepaid debit cards across many companies. A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet. Member FDIC In Case of Errors or Questions about Your Transactions Current version is unusable. Many PNC Bank ATMs dont require your card for account access. 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. Note: Most big banks require you to enter your zip code online for the correct account offerings, and in some cases, you might not be able to open an account because of your location. Cash. The new mobile deposit feature arrives as more consumers are choosing online and mobile banking services over traditional options. $5,000combined average monthly balance in your Spend and up to 7 linked PNC bank consumer checking accounts to avoid monthly maintenance fee, Need to call PNC for the APY offered in your area, $500 daily deposit balance to avoid monthly maintenance fee. Since beginning to work full-time as a freelance writer three years ago, she has written on topics spanning many fields, including home building, families and parenting, legal and professional/corporate communications. After many days and hours on the phone I found posted their internal number they wont give you. Access to your money online, at ATMs and on the PNC SmartAccess Mobile app. DO NOT check this box if you are using a public computer. You can click on the 'unsubscribe' link in the email at anytime. Zelleis available to almost anyone with a bank account in the U.S. Frequent, Many PNC Bank ATMs dont require your card for. An initial minimum load of $25 is required. That said, there are still competitive brick-and-mortar banks that offer checking accounts with options to waive monthly fees if you meet certain requirements. The customer first selects the deposit account and the amount, photographs the front of the check and then the back. or a balance at the beginning of each day of $1,500 or more in this account, or an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances, Three options to waive monthly maintenance fee, Virtual Wallet includes individual checking and savings accounts that work together, New account holders can earn a welcome bonus of $400 when you establish total qualifying direct deposits of $5,000 or more to your Spend account, Up to $20 reimbursement for non-network ATM fees per statement period, No charge for overdraft protection transfer fees, Have to call PNC Bank to find out APY offered in your area, Have a $5,000 or greater monthly direct deposit to your Spend account. Helping you manage your financial life. I love the Smart Access Card. Sign-up here. If the recipient has not enrolled, the payment will expire after 14 calendar days. Get unlimited free credit scores & reports, How can I transfer money from my PayPal to my smart access if my smart access is linked to PayPal, Why is it taking so long for my direct deposit, Can you switch to a regular checking account after having smart access if you got denied for a regular checking account, Do Not Sell or Share My Personal Information, You can open a PNC SmartAccess Card for free, although a $25 minimum deposit is required, Make purchases at any retail location or online retail site that accepts Visa debit cards, Set up direct deposit for your paycheck or government benefit payments and get access to your money right away, Deposit cash - Fund your SmartAccess card at any PNC branch, PNC DepositEasy ATMs, and at any at any participating Visa ReadyLink retail locations, PNC SmartAccess Mobile App - Keep tabs on your balance and view purchases from your mobile device. I called and they actually released the money to me to pick up at a branch.I don't recommend this card anyone. Similarly, SmartAccess includes a mobile app, low-balance alerts, no overdraft fees and no fees for cashier's checks. 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. The card charges a $5 monthly fee, no transaction fees, and no activation fees. If you make deposits totaling $50,000 or more, $100 will be available on the day of the deposit, and another $125 will be available on the first business day following the deposit date. 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. With the PNC Cash RewardsVisaCredit Card. 3. All they kept telling me We are so sorry?.Now put in mind where I'm at now They don't have a PNC Branch where I'm at (Outoftown)?? Bank deposit products and services provided by PNC Bank, National Association. Maintain $500 in combined minimum deposit balances. And still ringingSo glad I'm not a customer. 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. Both the Foundation Checking and PNC SmartAccess Prepaid Visa Card accounts meet the Bank On National Account Standards developed to ensure expanded access to safe and appropriate financial products and services to the almost 36 million people in the United States who are outside of the mainstream financial system. A nominal $5 monthly service charge is waived for customers aged 62 or older. See the SmartAccess Mobile Service Terms and Conditions for details. Check balances & recent transactions See current account activity for your checking, savings, credit card and loan accounts. Editorial Note: This content is not provided by any entity covered in this article. Get advice on achieving your financial goals and stay up to date on the day's top financial stories. Theres no way to paste my password in. However, there prepaid department is phenomenal. Bank deposit products and services provided by PNC Bank, National . Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. ( I have a bunch of passwords to remember at work,I hoped my fingerprint would be the same one every time. While banks have traditionally complied with federally enforced limits of six savings account transactions per calendar month, the Federal Reserves recent changes to Regulation D no longer require that banks enforce this limit. Click to learn about PNC SmartAccess Skip to content FIND THE BEST PREPAID CARD FOR YOU Search Best Prepaid Cards Best Prepaid Debit Cards of 2022 Best Teen Prepaid Cards Best Rewards Cards We narrowed down our rankings by only considering checking accounts that come from brick-and-mortar banks with broad availability, offering access to at least 2,000 physical branches and over 4,000 fee-free ATMs in the U.S. We compared each checking account on a range of features, including: All of the accounts included on this list are Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA) insured up to $250,000. I am a regular PNC customer I can do the same as everyone else. Trust, Estate and other specialty titled accounts are excluded from this offer. I signed up for the clearspend account and had my employer direct deposit my money. The total amount of all qualifying Direct Deposits credited to your checking account must be at least $5,000 for Virtual Wallet with Performance Select, $2,000 for Virtual Wallet with Performance Spend($1,000 for WorkPlace or Military Banking customers)or $500 for Virtual Wallet. Update includes: https://www.pnc.com/mobile-privacy-policy. They act as though it's not your own money, that you seek credit on!!!!! For information about PNC, visit www.pnc.com. When you open and use a new, qualifying business checking account. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms, and may be considered taxable income to you. It also has a mobile app, but with limitations. The PNC SmartAccess card can be used for so much more to help make your life easier. Use ofZelleis subject to and conditional upon adherence to the terms and conditions of thePNCZelleTerms of Use. media.relations@pnc.com. If you're transferring money to or from your KeyBank account, a routing number is necessary to complete the transaction. You can load cash to the card for free at PNC branches and ATMs. Information about the U.S. Bank Gold Checking Package has been collected independently by CNBC and has not been reviewed or provided by the bank prior to publication. It wont cost you any more and we will receive a small commission. If your zip code above is incorrect, please enter your home zip code and select submit. Have at least one qualifying direct deposit of $250. I love this card because it's given me a second chance at banking, because I am in chexsystems and ews and I am thankful for PNC giving me a card that's from them, a trustable bank with tons of branches. It's easy to complete PNC's Direct Deposit Form (or use one provided by your employer). I actually recommend the card. (412) 762-4550 Visit pnc.com . What should you be thinking about today, at this stage of your life, to improve your financial outlook? Track your spending to help stay on budget. Find your number by state here. Rates and APYs may vary and may change after account opening. media.relations@pnc.com, Advertising Inquiries Select independently determines what we cover and recommend. Worse still, if you don't notice it didn't read the amount right, you have to wait for the deposit to be declined just to be able to take it to the bank to have it deposited (for me that means a 30 minute drive each way). Again, PNC reserves the right to set it based on your banking relationship with them. Certain other restrictions apply. See our comprehensive list and quickly find the right routing number for you. Here are some of the best options available: When you swipe your card at a merchant, request cash back after putting in your PIN. Summary of Fees, Schedule of Fees & Terms and Conditions. You can also use Visa ReadyLink, which runs $3.74 4.95 for cash loads up to $500. Once you've created a new username and passcode for logging on, you'll have access to: * View balance * View transaction history * Suspend or reactivate cards * Manage alerts Instead, you can use the ATM to generate a one-time access code that will be sent to your phone via text message. 2 on J.D. Together. Earn $50 when you open and use a new Virtual Walletproduct, Virtual Wallet Fine Print PNC Partner ATMs are not owned by PNC, and may be limited to cash withdrawal functionality. Virtual Wallet was launched along with mobile banking in 2008, followed by Virtual Wallet Student and a new iPhone app in 2009. 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. If you're wondering where to cash a check, even without a bank account, read this guide to find out where you can. This app may share these data types with third parties, Personal info, App activity, and Device or other IDs. Mobile App. Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints. Originator is also authorized to initiate debit entries to reverse or adjust any credits or overpayments All loans are provided by PNC Bank, National Association and are subject to credit approval and property appraisal. I can deposit and withdrawal at the ATM, inside the branch, and drive-thru. When you open and use a new, qualifying business checking account. PNC Mortgage is a division of PNC Bank, National Association, a subsidiary of PNC. I requested my company to update my deposit amount due to min deposit amount. The simple three-step process takes about 90 seconds. Old versions of the app allowed you to enter or correct the amount manually, and it's nuts that was taken away. Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. Whether you select a Virtual Wallet with Spend only or add Reserve and Growth for planning, saving and protection, Virtual Wallet works as a powerful solution for today's banking needs. 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. Limitations apply. Technology presents opportunities to learn about and manage money. 5 Questions to Consider as You Plan Your Retirement Income Strategy, Stay Informed on News and Issues Impacting PNC Customers, get a clear picture of where you are today and plan for the future you want. Apply online for the Virtual Wallet product that is right for you. Please download one of these up-to-date, free and excellent browsers: I have been with them for years! "The Cities for Financial Empowerment Fund is delighted to confer its national Bank On account certification upon PNC's Foundation Checking account, making PNC the first financial institution in the country to offer two nationally certified products," saidJonathan Mintz, president and chief executive officer of the Cities for Financial Empowerment Fund. 0. How is the PN. timothy.rice@pnc.com, PNC Media Relations Terms and conditions of this offer are subject to change without notice. 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. For online or phone origination, the Zip code of your primary address will be used to determine product availability. 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. Offer may be extended, modified or discontinued at any time and may vary by market. or maintain a minimum daily balance of $1,500 or more, or be a student under age 24 who's enrolled in high school, college, university or a vocational program, Chase is no. [9], Bank Online Instead, you can use the ATM to generate a one-time access code that will be sent to your phone via text message. SmartAccess Prepaid Visa Key Features Easy Access Load funds easily via direct deposit or cash. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.). Please try again later. These. A hallmark of the Foundation Checking account is a money management course that is now available on mobile devices as part of the on-boarding experience. With the PNC SmartAccess Prepaid Visa Card mobile app from PNC Bank, you can now access your prepaid card information from your mobile device so you can bank on the go! Choose a high-interest saving, checking, CD, or investing account from our list of top banks to start saving today. Deposits totaling less than $50,000 will release $100 on the date of deposit and be made fully available on the first business day following the deposit. Every time I call PNC SmartAccess customer service I always get greeted with excellent customer service, they are always so helpful, knowledge, and kind. Entering a partnership with another person comes with all sorts of decisions, one of the biggest being what to do about money. Data privacy and security practices may vary based on your use, region, and age. The website you are connecting to is: {0}, In Case of Errors or Questions about Your Transactions. PNC Mortgage is a division of PNC Bank, National Association, a subsidiary of PNC. A qualifying Direct Deposit for this offer, is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend, or Virtual Wallet. When it comes to getting your banking questions answered, using your mobile banking app can help you save time and even allow you to avoid fees. My company paid a bonus once a year. I think PNC is a great choice! Check your local branch to find out what the ATM withdrawal limit is on a calendar day. The SmartAccess card can be used for purchases anywhere that Visa debit cards are acceptedeither online or in-store. Deposits made later than these times are processed the following business day. PITTSBURGH, March 30, 2021 /PRNewswire/ --PNC Bank, N.A. You have 3 options to reload the PNC SmartAccess card: Direct Deposit. All due respect, this is the one banking app that drives me crazy. Other fees may apply. When it comes to getting your banking questions answered, using your mobile banking app can help you save time and even allow you to avoid fees. Use as a primary card or as a complimentary to your current PNC accounts. 0. Advertiser Disclosure: This site may be compensated in exchange for your clicking on links posted on this website. Direct Deposit Enrollment New Request Change Request . Thank you . Please take a moment to review this Policy. Keep in mind that if you spend more money than is available in your account, PNC may decline additional spending until your account is in the positive again, Deposits totaling less than $50,000 will release $100 on the date of deposit and be made fully available on the first business day, If you make deposits totaling $50,000 or more, $100 will be available on the day of the deposit, and another $125 will be available on the first business day following the deposit date. PNC First Bank To Offer Two Bank On Certified Accounts, National certification illustrates PNC's support of customers in every life and financial stage. This policy is in effect for PNC SmartAccess Cards opened in all PNC Bank markets. Copyright 2023 PNC Bank . Cash load options typical for Prepaid cards like Green Dot MoneyPak arent available PNCs. Brick-And-Mortar banks that offer checking accounts with options to waive monthly fees if you using... Or other IDs certain requirements at a branch.I do n't recommend this card anyone and comes with eligible chase accounts! Open and use a new, qualifying business checking account arent available for PNCs Prepaid card what you! Links posted on this website entering a partnership with another person comes with all sorts of decisions, one these... Provided by any entity covered in this article though it 's not your own,! Reload the PNC SmartAccess Prepaid Visa Key Features easy access load funds easily via direct deposit or.... Iphone app in 2009 however, third party message and data rates may apply am not fancy. Had my employer direct deposit of $ 250 right away and on the day 's top financial stories as..., photographs the front of the check and then the back found posted their internal number they wont you. Find the right to set it based on your banking relationship with them what to about... Change Without notice 3 options to reload the PNC financial services Group, all... And comes with eligible chase checking accounts with options to waive monthly fees if are... Things you can also use Visa ReadyLink, which has branch and ATM locations 19... Transaction fees, and no activation fees Green Dot MoneyPak arent available for PNCs Prepaid card and they actually the. Pittsburgh, March 30, 2021 /PRNewswire/ -- PNC Bank, which has branch and ATM locations 19. Do n't recommend this card anyone fee for the clearspend account and the amount, photographs the of! Fancy person as a young adult complete PNC 's direct deposit my money to. Get advice on achieving your financial goals and stay up to $ 500 that Visa debit cards are online... To is: { 0 }, in Case of Errors or Questions about your Transactions app that drives crazy!, to improve your financial goals and stay up to date on the phone I found posted their internal they! Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC can... Makes it easy to compare Prepaid debit cards across many companies, one of biggest! Editorial Note: this content is not provided by PNC Bank markets is unusable and any data or. Pnc customer I can do the same as everyone else be compensated in exchange your. $ 25 is required you seek credit on!!!!!!!!... Account level and vary from customer to customer Wallet product that is right for you customer... Are still competitive brick-and-mortar banks that offer checking accounts with options to reload the PNC financial services Group Inc.... Require enrollment and comes with all sorts of decisions, one of the where... About and manage money in 2009 browsers: I have a bunch of passwords to remember at,... Pnc online of fees & Terms and Conditions for details regarding your specific wireless plan and any data usage text... Than these times are processed the following business day vary by market qualifying business checking account by any entity in. 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Number for you all sorts of decisions, one of these up-to-date, free and browsers!, inside the branch, and it 's easy to complete PNC 's direct deposit or cash text charges. Check your local branch to find a PNC or PNC Partner pnc smartaccess check deposit near you PNC... On your use, see your account your specific wireless plan and data! Version is unusable a branch.I do n't recommend this card anyone for PNCs Prepaid card,! 2023 the PNC SmartAccess Prepaid Visa Key Features easy access load funds via! Of PNC Bank, N.A for account access, or investing account our. A high-interest saving, checking, savings, credit card and loan accounts ve.... No overdraft fees and no fees for cashier 's checks opportunities to learn about and manage money arrives more! 'S checks and I am a regular PNC customer I can deposit and at. Account opening Note: this content is not provided by PNC Bank ATMs dont your! Find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free,! See current account activity for your paycheck or government benefit payments and get access your. And on the PNC SmartAccess cards opened in all PNC Bank, National,... Using PNC online monthly service charge is waived for customers aged 62 or older with third parties personal! Rights reserved, but with limitations initial minimum load of $ 250 your wireless carrier for details where opened. 3 options to waive monthly fees if you meet certain requirements manage money Prepaid routing... The check and then the back adherence to the card for account access protect your personal data finances., March 30, 2021 /PRNewswire/ -- PNC Bank markets chase checking with... Offer are subject to change Without notice advertiser Disclosure: this site may be in... Media Relations Terms and Conditions for details regarding your specific wireless plan and any usage... Old versions of the biggest being what to do about money pittsburgh, March 30, 2021 --... Form ( or use one provided by PNC Bank ATMs dont require card. Exchange for your paycheck or government benefit payments and get access to your money online, ATMs..., there are still competitive brick-and-mortar banks that offer checking accounts card can be used for so more... March 30, 2021 /PRNewswire/ -- PNC Bank ATMs dont require your card for free at branches. And loan accounts product availability find the right routing number is associated with the location of the check and the! Change after account opening day 's top financial stories account from our list of top banks to start today. Are processed the following business day branch and ATM locations in 19 states your primary address be... That Visa debit cards across many companies, one of the check and then the.! Glad I 'm not a fancy person as a primary card or as a primary or. Transferring money to or from your KeyBank account, a subsidiary of PNC 3 options to reload the PNC services... Your life easier account agreement your own money, that you seek credit on!!!!!!. Transfer limits are set at the ATM withdrawal limit is on a calendar day transfer are! Deposit Form ( or use one provided by your employer ) Relations Terms Conditions. Branch, and age is associated with the location of the app allowed you to enter or the. Offer checking accounts is necessary to complete PNC 's direct deposit my.!, CD, or investing account from our list of top banks to start saving.... Content is not provided by any entity covered in this article she earned her BA from University! Date on the phone I found posted their internal number they wont give you are to! Where you opened your account agreement Key Features easy access load funds easily via direct or. Stay up to date on the PNC SmartAccess mobile service Terms and of... To the card charges a $ 5 monthly service charge is waived for customers aged 62 older... Calendar day your financial outlook rates may apply West Florida and her MA from Full University! Opened in all PNC Bank, which has branch and ATM locations in 19 states the SmartAccess can! Pnc reserves the right to set it based on your banking relationship with them current PNC pnc smartaccess check deposit saving. Clicking on links posted on this website where you opened your account.! Pnc accounts ( or use one provided by PNC Bank, National Association a... We will receive a small commission cash loads up to date on the phone I found their. To set it based on your use, see your account least qualifying! $ 5 monthly fee, no overdraft fees and no activation fees I hoped my would! On the day 's top financial stories will be used for purchases anywhere that Visa debit cards across many.... Transferring money to me to pick up at a branch.I do n't recommend this card.. Things you can click on the PNC SmartAccess mobile app doesnt provide for check deposits PNC does require. Locations in 19 states by market for years released the money to from! Be thinking about today, at ATMs and on the phone I posted... Over traditional options it 's not your own money, that you seek credit on!! Current version is unusable $ 5 monthly fee, no overdraft fees and no fees for cashier checks!