Bankrate’s 2015 Prepaid Debit Card Survey offers a rundown of the card’s many variables, including fees, restrictions and factors that may affect a consumer’s decision in choosing a prepaid debit card. The PNC SmartAccess Prepaid Visa Card comes with a $5 monthly maintenance fee, but no fee for point-of-sale transactions.

PNC SmartAccess Prepaid Visa Card

Are funds FDIC-insured? Yes
Monthly maintenance fee $5
Can the monthly fee be avoided? No
Card activation fee $0
Reload fee via direct deposit $0
ATM withdrawal fee (issuer’s ATM) $0
Nonissuer’s ATM withdrawal fee, not including any bank fees $2.50
ATM balance inquiry $0 in network; $2.50 out of network
Fees for point-of-sale transaction  $0
Fees for signature transaction $0
Paper statement fee $2
Paper statement at ATM N/A
Bill payment fee $0
Fee for customer service by phone $0
Declined transaction fee $0
Purchase overdraft available? No
Cost of purchase overdraft N/A
Inactivity fee $0

Bankrate.com surveyed 31 prepaid debit card offers Feb. 2-10, 2015. These are the resulting fees, restrictions and other card provisions.

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