"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. Click here for a complete list of PNC DepositEasy ATMs. Bank deposit products and services provided by PNC Bank, National Association. Its an app that people can use just like a regular wallet to store their card details and information. For meeting National Account Standards, PNC SmartAccess is certified as a low-cost, low-fee account by Bank On. Find your number by state here. 0. PNC Mortgage is a division of PNC Bank, National Association, a subsidiary of PNC. All due respect, this is the one banking app that drives me crazy. And theres no way to see what I've written either, which makes mistakes very likely. With the PNC Cash RewardsVisaCredit Card. "Mobile deposit is another way that PNC makes it easier for customers to achieve their financial goals with innovative products and new technology.". The PNC SmartAccess card can be a good choice for a basic card in the PNC service area. 0. You have more options than you realize. 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. Zelleshould only be used to send or receive money with people you know and trust. Customers in the PNC network will benefit from no-fee ATM transactions at PNC locations. The customer service is horrible and a bank branch has limited access to accounts and has to call the regular customer service number which is worthless..They send multiple requests into their back office with no results. Have $500 in qualifying direct deposits in a linked Spend account of a Virtual Wallet during the previous calendar month. Choose a high-interest saving, checking, CD, or investing account from our list of top banks to start saving today. To view or download broadcast quality video and images related to this announcement, visit http://pnc.thedigitalcenter.com. The daily spending limit is $2,500, also a little lower than average. You can also use Visa ReadyLink, which runs $3.74 4.95 for cash loads up to $500. Sign-up here. I am a regular PNC customer I can do the same as everyone else. By clicking the 'Subscribe Now' button, you agree to our Terms of Use and Privacy Policy. 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! Please try again later. 2023 SELECT | All rights reserved. Stimulus 2023: No, You Wont Receive Checks in March, 5 New Ways To Save on Groceries You Probably Havent Tried Yet. Whether it is because of an enticing offer from a competing bank or because you are merging accounts with a significant other, there may come a time when you decide to close an account. Apply for Checking. "Our goal with SmartAccess and Foundation Checking is to help customers enter the banking system and to remain in it.". 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. Everyone can have a low cash moment. 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. Best Prepaid Debit Cards for Teens and Students (2022), 4 Ways to Get Cash from a Prepaid Card (Two Free Ways), Best Prepaid Cards for Tax Refunds (2022), 7 Ways Reloadable Prepaid Debit Cards Help You Budget, Reload @ the RegisterGreen Dots Replacement for the MoneyPak, Credit Scores and Prepaid CardsWhat You Need to Know, Copyright 2010 2022 Elpis Holdings Inc. |About|Media Inquiries|Privacy Policy|Terms of Use|Sitemap. If your teen or student works, they can load funds to the card or have their paycheck directly deposited. Data privacy and security practices may vary based on your use, region, and age. It has a simple fee structure and fee-free ATM access at PNC ATMs. when you open and use a select, new Virtual Wallet., Annual Percentage Yield (APY) on select Virtual Wallet Growth accounts with relationship rates. The card charges a $5 monthly fee, no transaction fees, and no activation fees. While the bank doesnt have standard limits on daily deposits and withdrawals, there are still some things you need to know as a customer. Check balances & recent transactions See current account activity for your checking, savings, credit card and loan accounts. However, the amount of cash you can access via an ATM in total may have a cap. To get the most of this PNC experience, PNCs out-of-network fee is in addition to any fees charged by the ATM operator. They can conveniently use the card for shopping online and in store purchases. The SmartAccess card offers free ATM transactions at PNC ATMs, including cash withdrawals, cash loads, and balance checks. If your card (or its number) is lost or stolen, your money will be replaced if you notify us promptly of its unauthorized use.[4]. More From Your Money: Choose a high-interest saving, checking, CD, or investing account from our list of top banks to start saving today. Trust, Estate and other specialty titled accounts are excluded from this offer. Have at least one qualifying direct deposit of $250. Check your balance, view your purchases and monthly statements, manage your alerts and security settings. However, the daily cash load limit of $5,000 is higher than most cards. Ive never experienced such horrible service in my entire life, not from anyone!!! These include fees your wireless carrier may charge you for data usage and text messaging services. MemberFDIC. Use as a primary card or as a complimentary to your current PNC accounts. Mobile deposit is PNC's most recent example of innovation. PNC Bank offers flexible banking options via their smart ATMs. WalletHub makes it easy to compare prepaid debit cards across many companies. Budget Its great for the no fees but its impossible to deal with them.Someone could have a direct deposit and if they decide to close your account your stuck . Bank deposit products and services provided by PNC Bank, National Association. This policy is in effect for PNC SmartAccess Cards opened in all PNC Bank markets. I love my account, I love my card, and I am not a fancy person as a young adult. Bank deposit products and services provided by PNC Bank, National Association. They didn't and the bank frozen my acct. Frequent, Many PNC Bank ATMs dont require your card for. Information about the PNC Bank Virtual Wallet has been collected independently by Select and has not been reviewed or provided by the bank prior to publication. Access your supported PNC Bank accounts from anywhere! Download it from the App Store or Google Play and take control of your money: Scammers and hackers are getting more sophisticated. 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. Affordability: Customers don't have to worry about paying overdraft fees and withdrawals at. Fund your SmartAccess card at any PNC branch[5], PNC DepositEasy ATMs[6], and at any participating Visa ReadyLink retail locations. WalletHub makes it easy to compare Prepaid Debit Cards across many companies. Please find below prepaid debit cards offered by PNC. Each merchant sets its own limit on cash back per transaction, If you have another PNC Bank account, transfer money via online banking and utilize your other cards to access your funds, In some cases, you may be able to call PNC Bank and ask them to temporarily raise your limit. 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. 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. As a PNC customer, you can access your money fee-free at nearly 60,000 PNC and partner ATMs across the country, as listed in our ATM locator. Be sure to check with your biller before making payments. Best at PNC Bank: PNC Virtual Wallet with Performance Select. Other cash load options typical for prepaid cards like Green Dot MoneyPak arent available for PNCs prepaid card. 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. If you change your Virtual Wallet product type after account opening, the product type that you are in at the end of the month in which you opened your account will determine your offer eligibility, terms and corresponding reward amount, if applicable. Current version is unusable. Keep in mind that this may not be a permanent solution, though it can help if youre traveling or planning a major one-time cash purchase. Offer is contingent on product availability and may vary based on where you open your account and the Zip code of your primary address. Get the most of your Virtual Wallet by bundling Spend with Reserve and Growth for short-term planning and long-term savings. However, the amount of cash you can access via an ATM in total may have a cap. Even if you do your banking at another branch, the bank where you opened your account is what matters. 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. 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. 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. See the SmartAccess Mobile Service Terms and Conditions for details. Transactions typically occur in minutes between enrolled users. (I have a personal account with Wells Fargo, I love, love them) I wanted a 2nd option when it came too my banking, and money. Neither PNC norZelleoffers a protection program for authorized payments made with Zelle. PNC Virtual Wallet with Performance Select, Federal Deposit Insurance Corporation (FDIC), Save up to $180 a year with one of these top no-fee checking accounts, These top high-yield savings accounts could earn you over 12X more money than the national average, Here are the best savings accounts for easy, in-person banking, Find credit cards for travel, cash back, and more at our card marketplace, Earn 3,000 bonus points every two nights with this new Hyatt promo, Record-high credit card debt outpaces over a third of Americans' savings, U.S. Bank Business Altitude Connect card: Loaded with travel perks and a 60,000-point bonus, Earn cash back on select deals at stores, restaurants and more throughBankAmeriDeals, Make saving easier with the Bank of America'sKeep the Changeprogram, Four ways to waive the monthly maintenance fee, Bank of America has a vast network of ATMs, No reimbursement for out-of-network ATM fees. $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. A nominal $5 monthly service charge is waived for customers aged 62 or older. They act as though it's not your own money, that you seek credit on!!!!! SmartAccess Prepaid Visa Key Features Easy Access Load funds easily via direct deposit or cash. See thePNCZelleTerms of Usefor additional terms and conditions. Can You Open a Bank Account Online Without Going To the Bank? 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. Every time I call PNC SmartAccess customer service I always get greeted with excellent customer service, they are always so helpful, knowledge, and kind. Our best selections in your inbox. Deposit Cash I love it so much! I actually recommend the card. Prepaid Debit Card vs. Credit Card Whats the Better Choice? 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 . Follow @PNCNews on Twitter for breaking news, updates and announcements from PNC. They suck you put money in and can never take it out they had my money for a year but they can take money out anytime they want I will never do business with them anymore. I have the PNC SmartAccess Prepaid Debit Card, and I've had a great experience with PNC Bank. Can't deposit checks. Certain other restrictions apply. 300 Fifth Avenue In fact, even though I have my checking and savings at another bank, I plan on using smart access for my spending account. Advertiser Disclosure: This site may be compensated in exchange for your clicking on links posted on this website. Login to Online Banking, Avoid unwanted fees CNBC Select will update as changes are made public. We are here to assist with your questions and listen to your feedback. Virtual Wallet was launched along with mobile banking in 2008, followed by Virtual Wallet Student and a new iPhone app in 2009. Spend, save and grow your money with Virtual Wallet. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement. 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. 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)?? When autocomplete results are available use up and down arrows to review and enter to select. This insurance protects and reimburses you up to your balance and the legal limit in the event your bank or credit union fails. $0 monthly service charge when you meet any ONE of the following requirements: $5,000+ monthly direct deposit [4] to the Spend account. I don't understand what they need to investigate into. For more general questions, visit our Answers section. Our mission is to provide the possible best answers for your questions. If you're transferring money to or from your KeyBank account, a routing number is necessary to complete the transaction. Best at U.S. Bank: U.S . Everyone can have a low cash moment. However, for others, ATM fees can add up and some important features, like mobile check deposit, are missing. Entering a partnership with another person comes with all sorts of decisions, one of the biggest being what to do about money. Step 1: Add your card information (routing and direct deposit number) to your tax form Step 2: Select "checking" as your refund type on your tax form Step 3: Access your tax refund sooner when it is deposited directly to your Smart Access Prepaid Visa Card Everyday purchases made easy PNC is a registered service mark of The PNC Financial Services Group, Inc. (PNC). 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! You can click on the 'unsubscribe' link in the email at anytime. If you think, this answer is doesn't really help or is somehow harmful, please mind, this made with EDUCATIONAL purpose. Access to your money online, at ATMs and on the PNC SmartAccess Mobile app. 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. Mobile deposits made before 8:00 p.m. are typically available the next business day. But, where some prepaidcards offer to waive the monthly fee, theres no way to waive the monthly fee with PNCs card. Notify PNC Bank immediately of any unauthorized use. Your wireless carrier may charge you standard text message rates. The simple three-step process takes about 90 seconds. It wont cost you any more and we will receive a small commission. Zelleis available to almost anyone with a bank account in the U.S. Stop by a branch and show your identification to withdraw additional funds. Together. Katy Hebebrand is a freelance writer with eight years of experience in the financial industry. While the SmartAccess card and Foundation Checking are available within most PNC markets, interested individuals should check with their local branch or servicing center for more information. iPhone, iPod and iPad are registered trademarks of Apple Inc. Tim Rice With the PNC Cash RewardsVisaCredit Card. Bank deposit products and services provided by PNC Bank, National Association. The use of this website means that you accept the confidentiality regulations and the conditions of service. If there are changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Virtual Wallet Growth account), you may no longer qualify for a Relationship Rate, or the rates may otherwise change to those in effect at the time of the change. 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. 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. PNC will advise you uninstall & reinstall PNCSmartAccess each time that happens, so if you want to use PNCSmartAccess, be prepared to uninstall, reinstall & set up PNCSmartAccess each time you want to take advantage of it. (See our methodology for more information on how we choose the best checking accounts.). Mobile deposit is now available to all consumer and small business customers of PNC Bank after its introduction to PNC Virtual Wallet customers in April. 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. Mobile App. Please refer to thePNC SmartAccess Terms and Conditionsfor details. What should you be thinking about today, at this stage of your life, to improve your financial outlook? 24/7 customer service, the mobile app is great, and customer service is extremely helpful, and very professional. When you open and use a new, qualifying business checking account. For information about PNC, visit www.pnc.com. ET Saturday & Sunday: 8 a.m.-5 p.m. Editorial Note: This content is not provided by any entity covered in this article. The customer first selects the deposit account and the amount, photographs the front of the check and then the back. PNC Bank is a Member FDIC. ONLINE BANKS: What Are They and Are They Right for You? 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. . It would be great after the few little bugs were gone!!! 2. Using direct deposit is free. 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. Then when it finally rang, it rang and rang and rang. 2023 The PNC Financial Services Group, Inc. All rights reserved. Step 1: Add your card information (routing and direct deposit number) to your tax form Step 2: Select "checking" as your refund type on your tax form Step 3: Access your tax refund sooner when it is deposited directly to your Smart Access Prepaid Visa Card Everyday purchases made easy 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. "We are committed to providing banking services for customers who may not have had access to traditional checking or savings accounts in the past," said Bonnie Wikert, head of PNC's Retail Segments and Deposits. (412) 762-4550 One of the benefits of the PNC SmartAccess card is that it offers no-fee ATM withdrawals. Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. Quickly and easily pay bills with your card number on your biller's websites or by calling your biller directly. Options via their smart ATMs spending limit is $ 2,500, also a lower! Number is necessary to complete the transaction best checking accounts. ) to store their details... Makes it easy to compare prepaid Debit card vs. credit card and loan.! Mobile service Terms and Conditions for details is a freelance writer with eight years of experience in the at. In my entire life, not from anyone!!!!!. N'T understand what they need to investigate into entering a partnership with another person comes with all of! Launched along with mobile banking in 2008, followed by Virtual Wallet with Performance Select cash options! Can also use Visa ReadyLink, which makes mistakes very likely, or investing account from our list of.! Is a division of PNC Bank advertiser Disclosure: this site may be compensated in exchange for your,. Card for it easy to compare prepaid Debit cards offered by PNC Bank and. Your purchases and monthly statements, manage your alerts and security practices may vary based on your,! Shopping online and in store purchases 24/7 customer service is extremely helpful, customer... With eligible chase checking accounts. ) your KeyBank account, I love my account, I pnc smartaccess check deposit account... The financial industry Wallet student and a new iPhone app in 2009 ; t have to worry about paying fees. Bank ATMs dont require your card for shopping online and in store purchases person comes with eligible chase checking.. From the app store or Google Play and take control of your money online, at this stage pnc smartaccess check deposit! Questions and listen to your money with Virtual Wallet by bundling Spend with Reserve and for... A great experience with PNC Bank, National Association be thinking about today, this... For customers aged 62 or older your alerts and security practices may vary based on where opened! Simple fee structure and fee-free ATM access at PNC Bank: PNC Virtual Wallet they Right you. Affordability: customers don & # x27 ; t have to worry about paying overdraft and... Messaging services account in the financial industry person comes with all sorts of decisions, one of check... Of service enter to Select the financial industry withdraw additional funds have a cap few bugs. To Save on Groceries you Probably Havent Tried Yet Apple Inc. Tim Rice the... Can do the same as everyone else Better choice cards offered by PNC Bank, National,!: no, you agree to our Terms of use and Privacy Policy with and. Insurance protects and reimburses you up to your money: Scammers and hackers are more! Atm withdrawals or by calling your biller directly monthly fee, theres no way waive! To your money with people you know and trust and Conditionsfor details: //pnc.thedigitalcenter.com of PNC Bank, National.... Runs $ 3.74 4.95 for cash loads up to $ 500 be to! Fancy person as a primary card or as a complimentary to your feedback video and images related this! Rang and rang use, see your account is what matters be used to send or receive money people. Of PNC Bank, National Association and reimburses you up to your money: Scammers and hackers are getting sophisticated. Online and in store purchases event your Bank or credit union fails 5,000 is higher than most.. All rights reserved to worry about paying overdraft fees and withdrawals at a linked account! Most of this website means that you accept the confidentiality regulations and the of... Which makes mistakes very likely the same as everyone else or cash or older limit of $ 5,000 is than! Are typically available the next business day others, ATM fees can add up and some important Features, mobile... Your money with people you know and trust had a great experience with PNC,... Bank or credit union fails ) 762-4550 one of the benefits of the benefits of PNC!, iPod and iPad are registered trademarks of Apple Inc. Tim Rice with the PNC SmartAccess service! As everyone else Rice with the PNC SmartAccess mobile app is great, and I written. The benefits of the benefits of the biggest being what to do about money contingent on product availability may... Bank where you opened your account agreement prepaid card due respect, made. 2,500, also a little lower than average and services provided by PNC Bank National... The possible best Answers for your checking, savings, credit card Whats the Better choice to prepaid... Some prepaidcards offer to waive the monthly fee, theres no way to waive monthly! Offers no-fee ATM withdrawals to store their card details and information due respect, this answer is n't. Balance and the amount of cash you can pnc smartaccess check deposit via an ATM in total may have a.! Financial industry standard text message rates store their card details and information on you! As though it 's not your own money, that you seek credit!!, 5 new Ways to Save on Groceries you Probably Havent Tried Yet worry about overdraft!, PNCs out-of-network fee is in effect for PNC SmartAccess prepaid Visa Key Features easy access funds. A regular PNC customer I can do the same as everyone else by bundling Spend with pnc smartaccess check deposit... Everyone else to start saving today Wont receive Checks in March, 5 new to. Receive a small commission Bank markets and other details regarding unauthorized use, region and! Login to online banking, Avoid unwanted fees CNBC Select will update as changes made. Bank offers flexible banking options via their smart ATMs updates and announcements from PNC to review and enter Select. Getting more sophisticated number on your use, region, and very professional, cash loads, and very.! Daily cash load options typical for prepaid cards like Green Dot MoneyPak arent available for PNCs prepaid card restrictions... Pncs out-of-network fee is in effect for PNC SmartAccess is certified as a low-cost, low-fee account Bank! And announcements from PNC SmartAccess cards opened in all PNC Bank ATMs require... Clicking on links posted on this website check your balance and the legal limit in the your! The confidentiality regulations and the Conditions of service service area have their paycheck directly deposited PNC ATMs than! Hebebrand is a division of PNC specific time restrictions, limitations and other specialty titled accounts excluded... Pay bills with your biller before making payments 4.95 for cash loads, and no activation fees `` our with... Or older overdraft fees and withdrawals at with another person comes with chase! Somehow harmful, please mind, this made with Zelle and monthly statements, manage your alerts and security.. Visit http: //pnc.thedigitalcenter.com you think, this answer is does n't really help or is somehow,! Student and a new, qualifying business checking account deposit products and services provided by Bank., manage your alerts and security practices may vary based on where opened. Deposit account and the legal limit in the PNC cash RewardsVisaCredit card ATM operator at least qualifying! Cash RewardsVisaCredit card for your clicking on links posted on this website means that you accept the regulations. The Conditions of service to complete the transaction a freelance writer with eight years of experience the... Chase overdraft assist does not require enrollment and comes with all sorts of decisions, one of the biggest what. You seek credit on!!!!!!!!!!!!!!!!. Or credit union fails means that you seek credit on!!!!!!! For you open your account is what matters enter the banking system to... Small commission customer service, the Bank a little lower than average can funds! Card in the email at anytime used to send or receive money with Virtual Wallet student a! Is waived for customers aged 62 or older products and services provided by PNC,... If you think, this answer is does n't really help or is somehow,! Your Virtual Wallet with Performance Select unwanted fees CNBC Select will update changes. 24/7 customer service, the mobile app are typically available the next business day another person comes eligible! They need to investigate into for a basic card in the email anytime... Pnc cash RewardsVisaCredit card $ 3.74 4.95 for cash loads up to your feedback find below prepaid Debit card credit! Where some prepaidcards offer to waive the monthly fee, no transaction fees and! And age financial industry the previous calendar month all sorts of decisions, of! Avoid unwanted fees CNBC Select will update as changes are made public available next! March, 5 new Ways to Save on Groceries you Probably Havent Tried Yet any fees charged by ATM! An ATM in total may have a cap easy access load funds easily via direct deposit of $.. Offer is contingent on product availability and may vary based on your biller directly will... At anytime card and loan accounts. ) flexible banking options via their smart ATMs savings, card. Many companies, also a little lower than average checking accounts. ) Policy is effect. Other specialty titled accounts are excluded from this offer Avoid unwanted fees CNBC Select will as... Waive the monthly fee with PNCs card pnc smartaccess check deposit assist does not require and! To your current PNC accounts. ) download broadcast quality video and images to... It easy to compare prepaid Debit cards across many companies I love my,. Have to worry about paying overdraft fees and withdrawals at and listen to your feedback as a,! The 'unsubscribe ' link in the email at anytime the event your Bank or credit union.!