PNC Bank Sucks

This isn’t the first time I complained about PNC Bank, with which I opened a business checking account at the end of January, but I hope it’s the last.

I heard some nice words about PNC before deciding to use it. However, my short relationship with the bank so far turned out to be a terrible one. At the time when I opened the account, they had a promotion which will give a $75 bonus for either a new personal or business checking account. That’s one of main reasons I chose PNC. Nearly two months after opening the account and setting up online banking (which is one of the requirements), I still didn’t see the bonus in my account. So I called the branch office last week and talked to the associate who helped me open the account, the very person who had made the whole thing a mess. She said she will look into it and let me know later.

PNC Bank $75 Bonus

This morning I got a call from her and, guess what, she said they don’t have any record that there was such a promotion in January. Then she asked whether I could fax to her the flyer I got from that branch when I opened the account.

I can’t believe it.

Good that I still have that piece of paper with me. Otherwise, I will probably never see that  $75!

This article was originally written or modified on . If you enjoyed reading this post, please consider subscribing to my full RSS feed. Or you can also choose to have free daily updates delivered right to your inbox.

Author Info

This post was written by Sun You can find out more about Sun and his activities on Facebook , or follow him on Twitter .

34 Responses to “PNC Bank Sucks”

  1. MoneyEnergy |  Apr 17, 2009 at 3:49 pm

    Never heard of PNC, but maybe this is why…:) Thanks for the tip.

    • Chris Hudak |  Jan 26, 2010 at 5:43 pm

      Well I geuss they now have acquired National City. I think that they are one of the few banks that are hiring finance majors….Haven’t done too much research on them though

    • cliff |  Mar 31, 2010 at 4:57 pm

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID 8121837, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

      The response from PNC was, first of all, not even signed by a person, it was a generic letter typed and the signature was applied using a simple script font and NOT a person’s signature. THIS, in and of itself, should clue you in to just how much PNC DOESN’T care about their customers. tHERE WERE NO OFFERS OF ANYKIND — A SIMPLE APATHETIC ONE SENTENCE APLOGY – NOT EVEN SIGNED BY A PERSON.

      Finally, this one sentence apathetic apology was for:

      7 phone calls to uncaring customer service reps

      3 visits to and ATM (directed by the CSR’s)

      2 visits to two different banks

      and, when it was all said and done I was still no closer to the simplest of banking tasks — A WORKING CHECK CARD.


      Oh yes, some worthy notes:

      – one customer service rep in one bank did not know how to change my pin

      – a bank manager could not solve my problem said I would have to come back again

      – the CSR’s directed me to go to an ATM to activate a card, with an invalid PIN

      as strange as all this sounds — IT IS ALL TRUE — NO EXAGGERATIONS — JUST FACTS.


      [To assist us in bringing this matter to a close, we would like to know your view on the matter.]


      Clifford Williams

    • Joseph |  Apr 15, 2010 at 3:09 pm

      National City charged $17 for wire transfer. Now forced into PNC, they want $70 for a wire transfer. Other problems too. I’m done with this bank, moving on.

    • wardog |  Jun 24, 2010 at 1:50 pm

      PNC bank sucks! Recently my bank card was stolen. PNC reviewed the claims which totaled about $100 at places I have never been to. PNC basicly stated the bank card and fraudulant transactions are my problem? Some security. I am a veteran and prior court officer. The only integrity check needed is of this bank. DO NOT USE PNC. If you do, close the account. This is just another big bank out to screw the little guy!

    • Marc |  Aug 09, 2010 at 3:05 pm

      They steal your money and laugh about it! that is exactly what happened to us. They took out $50 dollars every month for no reason. I called to see what was happening and got 2 very unprofessional people just passing the problem around, and never solving it.
      Even though everything that was charged me with out my authorization is on paper, their only answer is that they have to charge me for the service that they provide, laughing at you as you had no right to call and complain about a $50 overcharge.
      Mr. Scott Harrison is the last person I talked to at PNC. He is the one that likes to laugh at your expense instead of providing you with excellent customer service.
      I had the account for a year until they started charging me extra service fees that I never agreed with. In my book that is stealing.
      Now, if you like bad customer service and getting laughed at when they steal your money, then they are the right company for you.
      One thing I assure you… I will not stop until they return the $50 they stole from me.

  2. John |  Apr 17, 2009 at 4:56 pm

    Wow. If the bank can’t even track of their own promotions I would not trust them with my money.

    • Gerald |  Mar 02, 2010 at 10:18 am

      Blame banks, thats what banks want apathetic Americans to do. Banks deemd too large to fail know how complacent and ignorant American citizens are. If we all simply left our loans (liabilities) at these banks, yet moved our payroll and savings deposits to a credit union or community bank, THEY WILL PANIC. Literally, we the people can shut down any bank, regardless of size, regardless of how much welfare our crooked government gives them. But, we could care less about our childresn financial futures, and we’ll keep banking with these crooks until we die. Its sad, we’re so lazy now that the mere inconvenience of switching banks is reason to endure these fees. I dont hate any bank, the 20 largest banks in America are all the same. They are wiser and more energetic than us. THey know we’ll just blow hot air on blogs and come Friday???? Yes, those precious deposits flow into their tier one ratio accounts. Hats off to you big bankers, you hit the nail on the head. Americans are TOO IGNORANT AND LAZY to close our accounts with you. My congratulations on your brilliant assesment of our LACK of resolve.

  3. Sun |  Apr 18, 2009 at 11:38 pm

    That’s exactly my concerns. It’s just a little over two months and they can’t even find a record of their own promotion. From this incident, you really can’t trust the bank for pretty much anything. No wonder they are in such a mess.

  4. Erik |  Apr 21, 2009 at 4:36 pm

    What a lousy experience and irresponsible bank. I bet they felt quite mawkish when you sent along their own promotion to remind them.

    If you’re looking for a new bank try

    These are the top rates as of April 20th. These are NOT teaser rates.

    Rates with a * signifies this bank rate is available nationwide.

    First Robinson Savings Bank – Robinson, IL 6.01
    Southern Missouri Bank & Trust 6.01
    LA DOTD Federal Credit Union – Denham Spring, LA 5.25
    Keystone Bank – Auburn, AL 5.15
    *Connexus Credit Union – Wausau, WI *5.15
    Community State Bank – Poteau, OK 5.05
    First State Bank – Kansas City, KS 5.03
    State Employees Credit Union – Santa Fe, NM 5.02
    Grand Bank of Texas – Grand Prairie, TX 5.02
    Malvern Federal Savings Bank – Paoli, PA 5.01
    Union State Bank – Everest, KS 5.01
    First Banking Center – Lake Geneva, WI 5.01
    Noble Bank & Trust – Anniston, AL 5.01
    Olmsted National Bank – Rochester, MN 5.01
    Texas Citizens Bank – Pasadena, TX 4.76
    Harbor Credit Union – Green Bay, WI 4.55
    *Royal Banks of Missouri – St. Louis, MO *4.55
    Finance Center Federal Credit Union – Indianapolis, IN 4.51
    The Community Bank – Brockton, MA 4.51
    Bank of Little Rock – Little Rock, AR 4.51
    *Focus Bank – Charleston, MO *4.51
    Community National Bank of the Lakeway Area – Morristown, TN 4.51
    First-Lockhart National Bank – Lockhart, TX 4.51
    Workers Credit Union – Acton, MA 4.51
    Brookhaven Bank – Atlanta, GA 4.5
    *First Arkansas Bank & Trust – Jacksonville, AR *4.44

    Hope this helps!

  5. Ern |  Apr 23, 2009 at 2:48 pm

    Don’t do business with PNC bank. This bank is in real bad shape with cash reserve. They are crooks. If you put large amounts of money is this bank, good luck getting it back. This bank floats your money for months before they make your funds available. Thats so it could look like they have lots of cash in deposits for investors. You can take them to court to get your funds release and they still ignor the court orders. I suspect this bank has done real bad on the stress test. Take this as a warning. This bank is the worst bank for the average consumer to do business with. Don’t be supries if they are the next big bank to go belly up like WAMU. TAKE YOUR MONEY OUT THIS BANK AND RUN.

  6. MK B |  May 05, 2009 at 12:18 am

    haha…we’ll never go belly up,cause suckers like you keep falling for our marketing. I’d love to chat more, but gotta go buy my next vacation home!

  7. Mr Moneypenny |  May 05, 2009 at 9:34 pm

    Hey MKB! Stick it up your ass you nazi bank facist! & do you mean the vacation home that is now worthless after the banks screwed the economy? If you actually work for PNC then good job with the pirates promos. Looks like another 80 loss season at PNC Park! This bank blows! Anyone in Pittsburgh knows that! Duh!

  8. stacee |  May 13, 2009 at 12:23 pm

    if you still had the promotion pamphlet, and took it to the bank and explained to them that there must be a mistake because i never received my $75.00. They would be obligated to give you the money. Instead you acted like a little bitch, immature asshole. It’s individual’s like you that need to go find a woman or man what ever your preference, you do act like a BITCH!!!! GOOD LUCK IN YOU ADVENTURES IN LIFE!!!!

  9. Chris |  Aug 18, 2009 at 10:16 pm

    Well for one thing, I know many people who work at PNC and I use PNC. If an employee messed up a promotional code on your account, it is their fault, not the bank’s. PNC always has promotions giving away money to new customers who add direct deposit to a free checking account (FREE as in free for life, not free for one year like most banks). And the whole thing about floating your money and delaying your funds from being available – completely untrue! When I go to PNC and deposit a check, it clears overnight if it’s a local check, and it takes 2 days if it is non-local. PNC is one of the strongest banks on the East Coast and is getting much bigger. They will not be going under like WaMu or Wachovia. Sorry this guy had a bad experience, but I refer all my friends, family and co-workers to PNC and they all love it there.

  10. Alberto Del |  Sep 15, 2009 at 4:23 pm

    On each page of the site you will find a PDF of questions to ask banks regarding opening an account with them.
    You can call each bank (including foreign banks) collect by reversing the charges so that the banks pay for the call.
    You can ask them the questions (at length), and they have to answer these questions to your satisfaction.
    So I would suggest that everyone calls the banks having the banks pay for the call — after all, it is YOUR (our) money that they spend with impunity, so why not make them spend a little of it on US and not on them!?

  11. bob barker |  Sep 30, 2009 at 11:05 pm

    PNC misrepresented a mortgage loan. The loan officer gave me a 5/20 , mortgage explaing it as a 20 year mortgage with a 5 year fixed rate with a variable rate rolling over afterwards. Turns out it’s only a five year mortage with a balloon due after 60 months. When I questioned the balloon, I was told that it was no concern as it will rollover.Now the balloon is due if I don’t refinance with fees, this is after I already paid 5 years of heavy interest already

  12. ann |  Oct 31, 2009 at 11:59 am

    pnc banks sucks and those can burn in hell. i know because they fired and i have credit card with them never with pay that off. the lady fired me can ms. walton can burn in hell.

  13. jr |  Jan 14, 2010 at 1:52 pm

    Two really bad experiences with business services/accounts are detailed below.

    1 Safe deposit box. One of my companies had a safe deposit box at the Craig Street branch of PNC in Pittsburgh, PA. I drop important corporate papers off for safe keeping once or twice a year. I came to place more documents in after not visiting for about 8-9 months. I had my key but not the box number. They looked and looked but could find no record of my box. At one point, I showed them an empty box without locks and said it was somewhere in that area. My key would not open any boxes. I came back three more times asking if they found my box and it contents. On the fourth visit, the bank manager found the papers and I signed for them. She explained that my company did not pay and so they drilled the locks. We never received an invoice. I indicated that the company name was on the account and that there are these things called the Internet and the telephone directory that lists my company and its contact information. I also mentioned that it did not take a genius to use either.

    2 International letter of credit. Another firm I run needed an LC for payment to a manufacturer in China, about $10,000. This was out of the Squirrel Hill branch in Pittsburgh, PA and the LC department in Philadelphia I believe. They ended up charging more than $600 for a *fully* collateralized LC. The collateral was cash in a PNC account. They took no risk and shuffled some papers for more than 6% in fees. Despite insisting through the process that they would charge several hundred dollars less, they levied the fees anyway.

    Naturally, all these accounts were changed over to Schwab and Citizens. Citizens actually has friendly and helpful service. They have not charged fees that were not clearly enunciated ahead of time. BTW, international wire transfer fees are about 60% less at Citizens.

  14. Juan |  Jan 29, 2010 at 11:37 am

    Same scenrio happend to me. I was told by the agent if I were to have a direct deposit of 300 by the end of three months that i would receive a bonus of $100. Today is the end of the month and now they are stating that I had to make a direct deposit of $300. I told that that was what happend. They said no. That I had 2 deposits equally $300 not a single direct deposit of $300.
    I am going somewhere else

  15. John Howard |  Feb 14, 2010 at 4:53 pm

    I’ve tried WoodForest (WalMart) and it has not been bad. They will work with you. PNC is just looking for the bottom line. They are the ones that gave Rendell the idea of putting a sales tax on ATM withdraw fees.

  16. Pattie |  Mar 09, 2010 at 5:42 pm

    PNC sucks big time. Two recent events: 1) we have used online bill pay for years. One of the recurring bill payments I have setup is for my auto loan. I don’t touch it, it just gets paid because I setup the recurring. I went in to ADD a new bill payee and I noticed my February recurring payment was CANCELLED. No, I didn’t do it. The bank totally denied any bank error. They said I must have cancelled it. Sure, right out of the blue in the middle of a 36 month loan payment, I decide to cancel just ONE payment. 2) We have combined personal and business online account. I always transfer funds between our accounts as needed. Low and behold, I go in today and the business checking account is not listed…it’s just GONE. Call the bank. The response was: this account was never setup for online banking. Oh, sure, so why is our other business accounts showing online and just not this one? And how did I do the transfers for all these years? I am telling you, PNC is arrogant, unprofessional, rude and incompetent. SUCKS!

  17. carlos |  Mar 30, 2010 at 1:25 pm


  18. PNC Sucks |  Apr 06, 2010 at 11:00 pm

    Hey Pattie, I am currently experiencing the same “missing” recurrent payment problem. A number of my bills I have set up for auto pay seem to be getting the “recurring” part deleted or the payee deleted altogether. Called PNC and they say it can’t be them, I must be deleting these payments. I must be doing it in my sleep… Perfect example: Macy’s CC is set up for auto pay, on the 1st of each month. The March payment went through, the April payment went through but now they are suddenly gone from my list of payees. I called PNC and let them know this was about the 3rd or 4th instance in the last two months this occurred and they told me I must have deleted Macy’s from my payee list… no other explanation for them being deleted… As of now, we are dumping PNC and switching our accounts to another bank.

  19. BG |  Apr 24, 2010 at 3:12 pm

    PNC just took over my National City account. In the take over, they somehow gave a card to someone else and activated it. Found out today that they lost over $1000 of my money. They are going to do an investigation… and it only took 2.5 hours on the phone to get them to do that.

    They treated me like dirt the entire time. Once this gets fixed, I am changing – they are rude and incompetent.

  20. David Tomberlin |  May 17, 2010 at 7:23 pm

    PNC is pathetic. Whoever was in charge of the transition from National City should be fired.

    The worst part is that our tax dollars given to them allowed them to purchase Nat City. Nat City wasn’t perfect, but they were light years ahead of this sorry excuse for a bank.

  21. trevor |  Jun 13, 2010 at 10:50 am

    Theives. Plain and simple. If you want to have a bank that is in any way reasonable, then don’t use this bank! They now use their computers to delay deposit funds and front load debits or checks of any kind. True slime!

  22. trevor |  Jun 13, 2010 at 11:01 am

    Their customer problems is why they constantly have wanted ads on monster and career builder. They just can’t hold employees.

  23. Carol Gardner |  Jun 15, 2010 at 12:17 pm

    Never added a comment to anything before. But this is the time. Called the bank number in St. Louis, Mo. It’s 11 am and the phone recording says “our offices are now closed”. They just aquired National City and the customer relations there was great. Makes me nervous when they have such little attention to detail to know that theeir phones have been inoperable for the whole morning.
    I called a neighboring city branch and was told that if there is a storm (power surge) that the phones default to night mode. That should be a morning open for business task, in my opinion. Not something that is up to the customer to call all over the city of St. Louis to left them know that they are unavailable for business by phone.
    Makes for a bad first impression after taking over NatCity this week-end.
    Carol Gardner

    • Sun |  Jun 16, 2010 at 11:19 pm

      It seems to always be the case that when banks merge, customer service deteriorates because that’s where the money is saved.

  24. betty |  Jul 22, 2010 at 2:49 pm

    PNC sucks. Their online billpay claims to have a guarantee – that is until they mess up. Then they don’t actually pay for late fees you get, because they claim it’s not their fault it didn’t get there on time. I’m switching.

  25. PNC |  Jul 23, 2010 at 1:17 pm

    I apologize to all of you in advance as I hold my branch to a higher level of intergrity and expect them to treat every customer with the upmost respect, because without customers we have no business. I believe that all of the issues that concerned you could have been fixed within a timely manner and you should have been compensated for your inconvience. I have throughly enjoyed the transistion from National City to PNC my experience as an employee and a customer have been great. I feel that PNC has done a great job with its organization and the process by which it took over National City. Conversion for 99% of the customer base went overwhelmingly smooth with no issues. There have been some issues that caused confusions with customers most of them being caused by our own (USA’s) BIG GOVERNMENT bringing down financial reform causing banks to have to generate revenue by other means so you have seen some cost go up.

    However I will say as a consumer, we have been crazy spoiled and just feed with a silver spoon with our accounts. We should all be so lucky to have a Free Checking, the world we were in just 20 years ago did not have any type of Free Anything. We as consumers are extremely blessed to have such a privilage to have Free Accounts in general how do you expect to Pay people to run accounts when 90% of the deposit accounts are FREE. We have been pampered and treated with the best possible option as we have all at some point had Free deposit products.

    I can only Say

    Thank you PNC for Both my paycheck and for being such a sound and responsible bank.

    Your comment is awaiting moderation.

  26. Patrick |  Aug 10, 2010 at 10:07 am

    THEY SUCK! They are trying to charge me $100 in overdraft fees for PENDING transactions. I moved money from my savings to checking and none of the transactions went through unit my account was positive and they are telling me because the transactions were PENDING that they charge the overdraft fees. If it hasn’t left my account then it IS NOT OVERDRAWN! Also, it takes three days for for my transfer in savings to get to my checking account? With the same bank? WTF! I’m closing the account and they can take me to court for the last $100. My account printout clearly shows a positive balance until 4 NSF fees show up for transactions that hadn’t even cleared the bank!

  27. D |  Nov 29, 2010 at 6:21 pm

    PNC Sucks!

    They are charging me HELOC fees on an account that has been closed for years. Every time I call I get a different story, different instructions to follow and no response at all. I have filed a complaint with the BBB.

    I think they’re too big to keep track of themselves.