First, I just want to say that most people who post in these things have had issues with overdrawn accounts from their own mistakes, or are dealing with issues that come up in any bank (there are a lot of government regulation and practices that have to be followed) and these people tend to be angry from an isolated experience and want to vent.
I would like to just say that the PNC branch I go to in my neighborhood is wonderful. They all know my name, they are very friendly, and I call them when I have issues and they help me take care of things or answer questions for me. I am not unrealistic in my expectations, and am very pleased that they offer a rewards system for checking (Points) that most banks don't do anymore. They don't charge me fees if I just overdraw my account a little (I think they girl said less than $5) and they do still offer free checking with no minimum balance and they don't charge for PNC atms, statements, or other little things. In fact, since I have a direct deposit into my checking I actually even get all my non-pnc atm fees refunded! I think I also get free checks on my account too. My bank before PNC charged me for everything. I have the virtual wallet account and it is much more interactive then my old bank's (Chase) online banking. I can also make deposits from my phone, which is very nice considering I travel a lot.
Overall, I think people need to remember that banks are a business, but some do it better than others. PNC doesn't nickle and dime me to death and they offer superior products like virtual wallet. I also know I can get help from my local branch really easily. I really appreciate that fact.
I am not a customer of PNC but my wife is. When she visited the local PNC branch to make a withdrawal I accompanied her because I had a mature US Savings Bond to cash in. She made her withdrawal but they would not redeem my bond because I was not a customer. My wife's name is on the bond as the POD name. When I die my wife can take the same bond back to the same bank and they will be happy to redeem it.
PNC is the worst bank our there! They love to steal your money and take away your access to YOUR money without notifying you of it. I used to be a National City customer and was happy with them, but as soon as they made the transition, PNC went away with the quality customer service and understanding that comes with a normal bank. If you are looking for a bank to open up an account with, go elsewhere.. anywhere, if you have a PNC account, close it tomorrow and save yourself. PNC is a thief of your money and should be shutdown for unlawful operations. The only reason I am giving them 1 star is because I cannot give them a 0 or a -5, which i what they really deserve.