PNC bank is one of the most ruthless and profit hungry banks that I have had the chance to encounter thus far in my life. I have both a savings and checking account at this bank. I also have the displeasure of having a mortgage with this bank. The staff is unprofessional and unknowledgeable. I have had more than one identity theft occurrence with this bank and no one was able to notify me until I was ~$3500 in debt. This bank refused to reimburse me after an investigation and threatened to foreclose on my house when I had a negative balance in my account (due to the theft). Thank you family and friends for helping me out when I needed you! If there are other banking options that you can utilize, I would implore you to do so. Do not do business with this bank if you can avoid it.
First, I just want to say that most people who post in these things have had issues with overdrawn accounts from their own mistakes, or are dealing with issues that come up in any bank (there are a lot of government regulation and practices that have to be followed) and these people tend to be angry from an isolated experience and want to vent.
I would like to just say that the PNC branch I go to in my neighborhood is wonderful. They all know my name, they are very friendly, and I call them when I have issues and they help me take care of things or answer questions for me. I am not unrealistic in my expectations, and am very pleased that they offer a rewards system for checking (Points) that most banks don't do anymore.
They don't charge me fees if I just overdraw my account a little (I think they girl said less than $5) and they do still offer free checking with no minimum balance and they don't charge for PNC atms, statements, or other little things. In fact, since I have a direct deposit into my checking I actually even get all my non-pnc atm fees refunded! I think I also get free checks on my account too. My bank before PNC charged me for everything. I have the virtual wallet account and it is much more interactive then my old bank's (Chase) online banking. I can also make deposits from my phone, which is very nice considering I travel a lot.
Overall, I think people need to remember that banks are a business, but some do it better than others. PNC doesn't nickle and dime me to death and they offer superior products like virtual wallet. I also know I can get help from my local branch really easily. I really appreciate that fact.
Where to start? I normally do not write reviews for anything good or bad, but PNC has made my life hell over the last couple years. First, when my husband and i wanted to open our first joint account, we did it online through pnc's website b/c of the ease they advertised. Turns out they never sent us the paperwork for our actual signatures, so the money we put in to the account was not accessible. This meant that it wasn't in our personal accounts anymore, and we couldn't access the new one.
So it was basically gone. Once i had a chance to go into the branch which had basically no lobby hours, they gave me the paperwork, it was signed and returned, and Still nothing! Turns out it was approved but nobody "flipped the switch" to turn on the account! Ok, so that's another trip into the bank itself. And finally done. But wait! My husband can't access the account details -- just the balance -- on his online banking! When calling it service, they said they didn't know why either. Sorry man. Excuse me?!
So we finally move to Chase when we're in an area where they're closer. Our joint account closed fine, but my personal accounts didn't. I had to go into a branch on three separate occasions to get everything shut down! And the worst part is they expected me to pay overdraft fees for having a $0 account balance! Hello! You closed the accounts and wrote me the checks!! Of course there is a $0 balance! But wait! There's more!
The same thing happened w/ my credit card. I am currently on hold as i'm writing this b/c i got a notice that i owed $0. 30 to my pnc visa. This is a few weeks after i called and made my final payment over the phone so that i could be sure it was shut down w/out a problem. The representative told me what i owed, i paid, they shut it down and gave me a confirmation #. Wtf? Why did 0. 30 post? It's been about 15min on the phone b/c they are trying to get me to pay it. Fat chance. Do yourself a favor and just get w/ chase bank.