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.
Non-Sufficient Fund (Overdraft)
Stop Payment item
Domestic Wire Transfer (Outbound)
Domestic Wire Transfer (Inbound)
3% of transaction- international
PNC ARE THEIVES THEY BOUGHT NATIONAL CITY AND KEPT THERE WAYS EVERYTHING THEY DO IS TO STEAL YOUR MONEY THEY MUST BE OWNED BY OBAMA F
I went in for a mortgage and received a pre-approval for a V.A. loan. My personal experience was as bad as it gets! (I can only speak for my own experience with them). They first say my file was "lost"(not possible),&they handed me off to 3 different loan reps over the period of 3months.
I had to start all over again. I spent $4000 cleaning up all my credit and then 3 days before our closing date the idiots call me and say "well we can't do V.A. loan. We can only do conventional and 25% down! 25% down on a $43,000! Unbelievable and they actually made my credit all most 30 points lower because those idiots ran my credit over 3 different times and never gave me credit adjustment for paying all debt off! So not only did I not get to acquire this house, but I spent almost $4000 dollars.
I won't get back and my credit score is worse than when I started the mortgage process! They are the most unhelpful, incompetent mortgage team around!..do not waste your time and money with this company! I am a disabled vet and they screwed me and strung me along until 3 days before close. If they will screw a veteran they will defanitly screw you. I cannot believe they had the balls to ask me for 11 thousand down on a 43 thousand loan. I am going to cancel my account entirely and I intend to pass out flyers at the v.a to get as many people to not ever use PNC bank for any reason! Worst experience of my life -- they actually made my situation worse! Veterans, do not use PNC Bank ever!