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What is the initial deposit requirement to open a Firstrade Smart Account? Firstrade Smart Accounts must be funded with at least $5,000 in cash or securities. Are foreign accounts eligible for Smart? Yes. The customer must provide a Form W-8BEN and a passport copy with their application. If a passport copy is not available, a copy of a government issued photo ID may be accepted. A valid mailing address must also be provided. (Checkbooks and the Visa® Debit Card cannot be delivered to a P.O. Box.) Are there accounts for which Firstrade Smart Account may not be appropriate? The following types of accounts are not eligible for a Smart Asset Management Account: Estate, Custodial (UGMA/UTMA), Investment Club, IRA/Retirement, and certain trust accounts. Does Firstrade Smart Account offer a money market fund? Yes. All Firstrade Smart Accounts come with a money market fund with a competitive interest rate. Money Market Sweep activity occurs daily. Is direct deposit available? Firstrade Smart Account clients can have payroll, Social Security, or other government benefits deposited directly into their Firstrade Smart Account. They can do this by requesting a direct deposit form from their Benefits Administrator and attaching a copy of a voided Firstrade Smart Account check. How long will it take for my checks to arrive? Checks are typically mailed within 10 business days after account approval. The checkbooks are sent via third class mail. For an additional fee charged to their Firstrade Smart Account, you may request to have checks sent through First Class Mail for $4.25 plus tax, Overnight delivery for $17.95 plus tax, or Next Business Day Delivery for $15.49 plus tax. Additional postage may apply for international accounts. These rates are subject to change. How do I reorder checks? Reorder forms are included in the check package. Reorder fees depend on the style of checks ordered: wallet, end-stub desk book and business style. For Wallet Style checks (6"x 2 ¾"), the fee is $8.00 for 25 checks or $15.00 for 120 checks. For End-Stub Desk Book checks (6" x 2 ¾"), the fee is $35.00 for the initial order of 300 checks / $27.00 for reorders of 300 checks. For Business Style checks (8 ¼" x 3"), the fee is $60.00 for the initial order of 300 checks / $40.00 for reorders of 300 checks. How is checking activity reported on the Firstrade Smart Account statement? Check writing activity is reported in the Cash Managementsection of your Firstrade Smart Account statement. The payee, check number, date written, expense code category, and the amount of the check are displayed.When will I receive my Visa® Gold debit card? The Visa® Gold debit card is mailed out within two to four business days after the account is coded for check writing privileges. The debit card is mailed via first class mail. When will I receive the PIN for the debit card, for ATM cash withdrawals? For security purposes, the PIN is mailed separately from the debit card. It is mailed five business days after the debit card is sent. You will be able to access cash worldwide from more than 1 million ATM's displaying the VISA, PLUS, MAC and NYCE logos. My Visa® Debit Card has been lost or stolen. What should I do? Please contact PNC's customer service immediately to report the lost or stolen card. Their telephone number is 800-222-2367. The original card account will be closed and a new card account will be opened and mailed within 24 hours. How are debit card transactions displayed on the Firstrade Smart Account statement? Debit card transactions appear in the 'Cash Management' section of the Firstrade Smart Account statement. Merchandise purchases are listed in order by transaction date and include the merchant description, transaction number and the amount. ATM transactions appear separately and include the total amount withdrawn, ATM fee, and location. Is there a maximum number of times that I can use the Visa® Gold debit card in one day? No, as long as you do not exceed the $15,000.00 maximum daily limit. The limit includes ATM withdrawals, card purchases and cash (teller) advances. (Your account's daily limit may be lower.) The limit for ATM withdrawals is $1,000.00 or the daily limit the bank has imposed, whichever is lower. Can the Visa® debit card be used to make ATM deposits? Yes. ATM deposits are accepted at over 7,600 ATMs in the United States. What is included in the Firstrade Smart Account Year-End Summary Statement? The year-end summary includes 1099 income and transaction detail, gain/loss information and a recap of checking and debit card transactions by category. How does web bill payment work? Firstrade Smart Account customers can register separately with MyBillCenter. The link is http://mybillcenter.paytrust.com. With MyBillCenter, you can receive, review, pay and organize all your bills on-line. You may elect to receive the bills securely on-line and view the details at your own convenience. Customers can decide when to pay, how much to pay and from which account. Additionally, you may use other bank accounts to pay your bills. What are the subscription fees for MyBillCenter? Smart Premier customers may have the monthly fee waived. For Firstrade Smart Account Classic customers, a nominal monthly fee applies and it is charged directly to the account. For the "Pay Only" feature, the fee is $5.00 per month for up to 25 bills. Additional bills over 25 will be charged $0.50 each. For the "Full Bill Management" feature, the fee is $7.50 per month for up to 25 bills. Additional bills over 25 will be charged $0.40 each. How can I earn rewards points for using my Visa® Gold Debit Card? Please register your card at www.visa.com. For Smart Classic and Premier account holders, one point is earned for every dollar spent with the Debit Card, exclusive of ATM transactions and cash advances. At this time, only domestic United States customers can enroll in this program. What can I redeem my points for? Smart Classic holders may redeem points for hotel accommodations, car rentals, and airline travel to domestic and international destinations of your choice. Maximum point accumulations are 2,500 per month and they are not transferable. Quarterly Travel Rewards Statements are mailed to you directly, if you have at least 5,000 travel points. Statements show all points that will expire within the next 90 days. Unused points expire after five years. Smart Premier holders may earn points for Debit Card purchases and redeem up to 1% cash back. Who do I contact to redeem points, inquire about my points, or to make travel reservations? Please call 1-800-581-7786. Customer service is available between the hours of 9:00AM and 8:00PM Eastern Standard Time, seven days a week. What is the annual fee for a Firstrade Smart Account? The annual fee for the Smart Classic Account is $45.00. The annual fee for the Smart Premier Account is $75.00. When is the annual fee charged to my account? The annual fee is automatically charged in January for the preceding year. How may I waive the Firstrade Smart Account annual fees? Eligible accounts may obtain a fee waiver through ONE of the following: -Smart Classic – Annual fee ($45) may be waived if the account maintains a minimum equity of $50,000. -Smart Premier – Annual fee ($75) may be waived if the account maintains a minimum equity of $100,000 or greater.
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