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.
I have had an account with PNC for 3 months now, and it has been extremely stressful to do business with them. From the getgo, no pleasant experience. The consultant who helped me open an account was inexperienced and didn't know how to work with customers. She did not explain properly what documents she needed from me and made me go back home 3 times to get the right documents. PNC lets new employees work with customers without giving them enough training. Their employees are rude, defensive, and not professional. It has been 3 months since I opened an account, but I have not received my checkbooks yet despite multiple calls I made to them. It has been extremely stressful to do any business with them, and I've decided to close my account with PNC. I wasted so much time, energy, and money because of their unprofessional customer service. Absolutely worst bank ever.
My husband and I lose money week after week the online banking is never accurate and the phone service is never accurate, then when you call them on it they make up some crazy way to say that there fees are correct this bank is terrible I would never in a million years refer this bank to anyone.