For a large bank, PNC has made me feel like an important customer even though I don't have much money. I give them 5 stars because they exceed my expectations. If I had lots of money, though, I would be disappointed that they sometimes make mistakes.
I have the free consumer checking account.
* Friendly and prompt service, easily reached on the phone, online, and in person
* Excellent online banking app that is constantly in development
* Online bill payment: they will cut checks to arbitrary payees and mail them for you. The whole process takes 4 maybe 5 days. I save money on stamps and never have to order checks.
* They sometimes make mistakes: When they sent me a replacement check card, they said the PIN would remain the same. Well it wasn't the same and it wasn't until 2 days after it arrived that the new PIN arrived in a separate letter. Also, they incorrectly stated that a particular ATM of theirs accepted deposits.
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.