I called their customer service line on Sat. 11/22/08 to request a balance summary. At that time, I was informed that I had a positive side balance and they said nothing about anything pending at all. I made a small debt card purchase on Sunday (less than $5.00) and was hit with not one, but two NSF fund fees ! When I looked at my online statement on Wed 11/26/08 it showed the two NSF fees and a $80 balance. I contacted their CS and they agreed to refund the two NSF fees. When I checked on Thursday, they had refunded them but said there was a $69 charge that came thru and slapped me with another NSF Fee, even though there was $80 dollars in the account! I called their CS line, and they refused to refund this fee even though I have printed proof of the online statement from the previous day! I was also informed that they even charge you a $1.50 balance inquiry fee from a ATM! I tolf them that I was closing out this acct (it was a petty cash acct) and I would not be doing anymore business with tem. The CS rep acted like she did not care what I did. BEWARE OF THESE RIPOFFS!!!

I have had two problems with this bank. I'll admit I am not a customer (and never will be after finding out what their service is like), but I like to use their ATM to make deposits to another banking account that I kept when I moved, but is not especially close to me. The reason I like this ATM is because it will scan the deposited check and put it a copy of it on my receipt. A few months ago, I actually made an envelope deposit with 3 checks enclosed. In this case, I didn't have the benefit of the checks being scanned--because there was more than one I had to use an envelope. BIG MISTAKE. About 10 days later, my bank sucked the money back out of my account, and I was told that PNC claimed there was "no envelope". As anyone who has ever made an ATM deposit knows, nothing is credited until the envelope is inserted so that didn't even make sense, but the bank told me it could have also mean that there was nothing in the envelope. I tried to call PNC directly, and got nowhere. I just wanted someone to recheck the deposits for that day, or to check the machine to be sure it wasn't stuck in there somehow. More than anything I was worried about where the checks were and whether they could have somehow ended up in the wrong hands. Because I'm not their customer, they couldn't have cared less. They told me they wouldn't even address my concerns with me directly, that I had to file a dispute claim with my bank. I did that. They apparently still didn't care, and 30 days later the dispute basically "expired" because PNC never even bothered to respond. And I was stuck with the nightmare of how to deal with the missing checks.

The second problem happened when I tried to make another deposit. This time I figured I was wiser, and thought that if I just deposited one check at a time, I'd have the security of the face of the check on my receipt. But, what happened this time was unbelievable. I entered my card & PIN, the machine shows some kind of advertisement for PNC, and then asks which language, I chose English, get the ad again, and then a screen saying that the machine will charge $2.50 for a cash withdraw from my non-PNC account (another rip-off), but I figure I'm making the deposit, not a withdraw, so I hit OK. Then the machine tells me to take my cash!! I NEVER ASKED FOR CASH. It spit out $60 (the typical "fast-cash" amount at most ATM's). I really needed that money in my account, not out of it, and I certainly didn't want to be charged $2.50 for the inconvenience. Now, I still have to make my deposit that I wanted to make, plus put the $60 back in. Needless to say, I'll be making those deposits elsewhere, because I absolutely will NEVER use PNC's banks, ATM's, parking garages, ballparks (sorry Pittsburg Pirates), restrooms, or anything else EVER AGAIN!

PNC bank, among others, uses the predatory practice of clearing checks 'highest to lowest' first. This creates a huge profit capitalizing on small customer errors.

Example:

Account balance on any given day is $500. Yesterday, you used your bank card for $20 and say $30 and didn't enter the items in your checking account register (an error which I agree you should pay for, after all it is your mistake which will cause the following but it is PNC's greed which will exponentially raise the cost of your error).

At the same time those two debits are clearing a check which you wrote comes through your bank for $475. PNC now employs the predatory practice of what is called 'highest to lowest'. Here's how it works. By disregarding the order in which the debits are presented PNC formats their internal program to clear the highest presented item first and continue in that order until everything is cleared.

If by random chance the other items comes through first, here is what will happen to your account. Balance $500. Deduction $30 (cleared). New balance $470. Deduction $20 (cleared). New balance $450. Check in the amount of $475 (overdrafted) balance negative $25. Total NSF charges $36.

Here, instead the predatory way PNC calculates the withdrawals, disregarding the order in which they are actually presented but instead re-ordering them in the way most harmful to you and most beneficial to them. Balance $500. Deduction $475. New balance $25. Deduction $30 (overdrafted). New Balance -$5. Deduction $20. New Balance -$25.

So, because of their greedy, anti-customer predatory practices PNC has now manipulated your withdrawals to double the fees you were charged for your error. If you ask PNC why they did this, they will give you the continued repeated lie every bank involved in this process gives you. We take these out highest to lowest because the highest might be a mortgage and we don't want to ruin your credit or cause you any embarrassment.

BS!

The fact is, if your account is presented with a check for $475 which overdrafts your account $25 there is NO bank in the country which is going to return that check and cause you 'embarrassment' or 'ruin your credit'. NONE!

What makes this deceiving practice all the more detestable is this above stock lie they give you. Banks, wake up! You may be able to continue to lie to each other because you're all out of the same ilk (which is probably why none of you will lend any money to each other and we, the american people, have to go into our pockets to bail out your greedy ignorance) but don't underestimate the intelligence of the average american.

There are those of us that know exactly how you operate and this post is intended to inform even more.

I went up to your ATM in Bel Air, MD in WaWa in July, 2006. I was waiting in line for about 5 minutes. Then, I went to insert my card, but it said to try it again. So I kept trying, and it wouldn't work. The lady in front of me got 3 transactions. Maybe the ATM was confused? I finally decided to use my card to pay for gas.