Simply Horrible Service
Banked with a local bank that through a litany of mergers & acquisitions, eventually became PNC. I was a good and financially responsible customer for ~20 years, but made the decision to move away from them because they were randomly putting holds on deposits I made without informing me. There was no rhyme or reason to it. A $10K deposit would get credited immediately, but a $3K deposit drawn from the same bank would get a 10 business day hold put on it. They also replaced PNC VISA several times, which also serves as my overdraft protection, mostly because of security breaches. But they would without fail forget to link the new card to my checking account, something I would only learn when overdraft protection failed to kick in weeks or months later. I only kept the account open because I had a few automatic drafts that were difficult to move to my primary bank. Recently I paid off my PNC VISA in full, but 5 days later they have yet to credit the payment to my account because it was a large one, something they had never, ever done before, despite my making much larger credit card payments. I “kind of” understood the need to do this, but I think they were obviously obligated to inform me just like they should inform me when they delay crediting deposits to my checking account. I had the two aforementioned automatic drafts hit my checking account, and they charged me $36 in overdraft fees instead of providing overdraft protection. So far they have refused to refund it, despite acknowledging the disconnect in their organization, and have behaved as if their credit card group is a separate entity from the bank. This was the final straw for me. Despite the difficulty in doing so, I am moving the last to auto drafts to my primary bank, and have said good bye to these inept and clueless automatons forever.