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.
The Foreign Exchange Group lost a check and debited $2,500 from my checking account, WITHOUT NOTIFYING ME.
It took 3 calls to speak to some one, and was told "that was their proceedure". I'm still waitinfg for their supervisor to call me back, so I can suggest a process improvement.
Very poor customer service
This is the most incompetent bank I have ever had the displeasure of having to work with, ever! Everyone (that is when you can finally reach an individual) either claims some BS reason that a 2 year old could see though or claims they CAN'T. Can't tell you what has been done, can't release a copy of a Release of Lien to the Homeowner, can't place a tracking number on a letter: why, can't tell you.
Really, a copy of a document to be recorded, afraid that it might be recorded twice? Harm if done - none! Tracking number on a USPS envelope a $1.00. Can't tell you what the status is on your request; notes are NOT complete?