I've been a customer with PNC for about 4 years. For checking and savings there really isn't anything that makes PNC stand out when compared to other "free" checking providers. If you have problems going to a branch usually resolves them and the staff are very friendly. I would expect this from any bank though so I don't really consider it a plus.
There are two annoyances I have had with PNC.
1) Their virtual wallet (Online Banking) is slow and clumsy. They parade this interface around like it is some divine creation, but it is far from that. It uses Flash so it won't work on many hand held devices and works terribly on many computers. Even with a fast computer you still have to wait 20 seconds for the thing to load up after loading the page. All I want to do is see my balance and transactions--I don't need a fancy animated interface!
2) Their ACH policies are ridiculous. This issue might just be with me but be warned. I receive ACH (online money transfer) from my father once a month for college expenses. We both bank at PNC and have opened accounts at the SAME branch. An AUTO-ACH from his account to mine takes up to FIVE BUSINESS DAYS! Keep in mind this is WITHIN THE SAME BANK BETWEEN 2 PEOPLE WITH THE SAME LAST NAMES! And this happens every time. For the uninformed most ACH transfers (even between different banks) take 3 days. Now what is the big deal? Well if your transfer period of 5 days hits a weekend (non-business) then you have just added another 2 days of waiting! This might not be a big deal for many customers but it certainly affects me.
THIS BANK DOES NOT PROTECT THEIR CUSTOMERS
(WHEN IT COMES TOO FRAUD! YOUR MONEY IS NOT SAVE)
I AM A MERCHANT IN CALIFORNIA AND SUSPECTED A FRAUD COMING FROM FLORIDA ( THIS WAS A ONLINE PURCHASE.)
WHEN I WAS TRYING TO VERIFY THIS FRAUD, THE BANK REPRESENTATIVE COULDN'T HELP ME.. I CALLED 5 TIMES THREE DIFFERENT TEL# .
I WAS TRYING TO SAVE A FRAUD AND EVERY REPRESENTATIVE I SPOKE TO TOLD ME THEY CAN'T GIVE ME THEIR NAME OR VERIFY ANY INFORMATION.
I MENTION I HAVE ALREADY CHARGE THE CARD AND THE BANK RELEASE THE MONEY TO MY COMPANY BUT THEY STILL DIDN'T CARE TO BE CONCERN ABOUT THIS FRAUD!
.WHEN ASKED TO SPEAK TO A SUPERVISOR THEY PLACED ME ON HOLD FOR OVER 30 MNS .
!!!DO NOT USE THIS BANK YOUR MONEY IS NOT SAVE!!!
About a week ago I deposited two checks for the same amount through the ATM. I checked my account about 3 days later (3/3), and only one check had posted. I called the bank and spoke with a gentleman who said he would need to do some research and give me a call back. I called at 11:30am. I did not receive a call back. The next day, I checked my account again, and I see this time a new credit posted (3/4) (for the same amount of ONE check) and the original credit from the previous day was gone. I called the bank again and this time spoke to a woman. She told me it looked like they reversed the original credit and just posted it back again. She said she would call the ATM center, and she verified which ATM I used and the best number to reach me. I gave her my cell AND my direct office line. I did not receive a call back from her either. I checked my account again today, and still nothing has been resolved. This is a waste of my time. I am a long time customer of PNC. I believe I deserved some type of follow up, even if it was a call to say they don't have an answer for me yet. Once I get this issue resolved I may be opening a new account elsewhere.