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 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.