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.
Worst bank ever' they are too big and inefficient to provide good service. It took 9 days to process a bank to bank payment. I was forced to place a stop payment on the bak to bak draft payment. I had to go to a branch to make my home equity line payment. They receive my payment 3 days before the due date. However, they arbitrarily freeze my account. I received a piece of pauper statin that freeze my account due to default despite that they received my payment ahead of time and $19,970 more than the minimum payment. The piece of paper has initials JG, no information about my rights, nor a disclosure where to summit a grievance or complaint. I had to submit a complaint at Consumer Financial Protection Bureau to fight for this abusive behavior of PNC Bank