MyBankTracker rated PNC Bank based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.
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 have had an absolutely horrible experience with PNC. They cannot be trusted and would warn anyone away from using them.
I had a checking account at PNC Bank for several years. The account had at least $1,000 in it and we had no fees for having he account. We were loyal to PNC with this account. All of a sudden I noticed service fees hitting the account. I went I to the branch to ask about it and they told me that they changed the terms of my account and it would now have fees associated with it. I then asked to close the account. The bank representative talked me into their NEW no-fee account. This new account had some new limitations whereby I had to enroll in online banking and needed to qualify under one of the following: I could not go into a branch; or I had to maintain a minimum balance of $500. While not what I originally signed up for I would be able to qualify for both of these. I went to sign up for online banking several times and the system was always experiencing a technical issue and asked me to try again later. After several weeks of not being able to sign up online I started getting a "spend paper service fee" and then a "reserve paper statement fee" both on the same statement, as if one paper statement fee was not enough. I then called the bank to let them know of my experience. They then informed me that their online system does not work with Internet Explorer, only the most widely used browser. I then said that as that is the browser I use I need to and would like to close my account. They said that I would have to come into the branch to close my account. I was not able to get to the bank to close my account due to working during business hours and having other commitments on the following Saturdays. I made it into the branch today to let them know that the account did not deliver as promised and would like to close my account. They then charged me ANOTHER $25 as an early account closure fee!
I have always considered eventually opening a PNC account because my boyfriend has an account with them and we are now living together. I went to this branch this past weekend to help him deposit his coins into his account for him because they have been sitting around the house and PNC has a coin counter free of charge for their customers. The money was going straight into his account I had his account number and the woman working made me feel like a criminal. She said because I was not a PNC customer I could not deposit his money in his account which is ridiculous. She was incredibility rude and made me feel horrible when I was just trying to help someone out. I now have no intentions of ever opening an account with this bank especially the Plainsboro NJ branch.