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 was amazed first and foremost for the wonderful treatment I got and get from the staff at this branch. The employees are wonderful, helpful and have great attitudes. What I like about my account is that I can have checking and savings all together and when I overdraw on the checking account I can transfer from my savings. I am sure a lot of banks can do that but I like the way this bank does things. Its very secure, no one is going to be able to take out of your account without the proper credentials. I am very satisfied with this institution.
I will definitely be closing my account with PNC after what has happened. Over the past 2 years, with 2 different accounts that involved no risky behavior, PNC has somehow let my account numbers get into the hands of scammers. Every couple weeks I get a call from a fake law firm claiming I owe money to companies I have never used before. These scams somehow have my entire account number and Social Security Number. The only people I have ever given my ssn to are PNC and employers. Then, recently, my free checking classic became standard checking, which resulted in a 7 dollar charge to my account I have been trying to close because of this. This 7 dollar charge put me in the negative, 7 dollars. I was not notified that this change would happen. I was not told of any new charges I would be receiving. Had I known this, I would have closed my accounts sooner. However, as I hadn't received a scam call in quite a while, I was giving them the benefit of the doubt and believing they had handled it. Then, within 5 hours, I got charged this 7 dollars AND got another scam call. PNC has officially received my vote for worst company in the USA for 2014.