I have had a credit card with pnc(formerly national city bank) for about 8 years or so, and used to have an exceptional experience with them. However, the past 3 months when pnc fully took over the front of the house operating system for credit card services, everything has quickly gone downhill. The online account system will lock you out frequently, and then prompt you to call in. When you call the 1-800#, by the time you get to a live representative, they will tell you they have to mail you your password. (who doesn't use email these days? ) meanwhile, you can't get online to access your account to see your balance or pay your bill. The phone associate will transfer you to someone who can give you the information about your account, but if you want to pay your bill on the phone with them, you will be charged $10. Otherwise they'll gladly transfer you (again) to an automated payment service. So even though you've already been on the phone with them for 15 minutes, they won't do you the courtesy of taking your payment right then and there. And if you pay your bill in full every single month and you make 1 single late payment by 1 day- guess what- they won't for any reason waive that $25 fee. Although the customer service representatives are pleasant enough, pnc's practices and policies are unintuitive and un-flexible to the customer's needs. I would strongly deter anyone from stepping foot into this establishment.
I took out a very small loan ($5,000) with PNC bank....after many phone calls, getting the run around (they couldn't find my loan request at first), and call backs as they promised with a status (that should have been the key) finally got a call the loan had been approved after over a week. Went in to the bank to sign paperwork , then got a call a week later they had processed the paperwork wrong (wrong payment date) and needed me to resign new paperwork. I found this a little fishy as I had already received my check. Ok...signed new paperwork....Week later get a call the head office had let the paperwork fall in to a black hole and they needed me to resign paperwork for a third time. I have good credit and a good salary so there is nothing on my side causing this insane business. Come on.....three times to sign the same paperwork.....What is wrong with these people. Will never, ever, ever do business with this bank again.. Just hope when I pay off my loan they show it paid and don't want me to repay it 3 times.
PNC bought out my previous bank and I have been very happy with my overall experience. I am a fairly technical person so the online access and all of the things I can do with my online banking and depositing with my iPhone has helped a lot. My particular branch is not busy so it is more like going in to your local barber shop than it is your local bank. Everyone knows me and is always friendly and willing to chat if not busy so the overall experience for me from a service and access perspective has been fantastic. I do not have any loans or investment products with them so I cannot attest to those items.