Due to a banking error (on the part of PNC), my checking account was overdrawn and charged $300 in overdraft penalties and fees. I went to my local branch and sat down with a clerk, and he couldn't find at any point where my account should have been overdrawn. He quickly agreed to deduct all overdraft and penalties on the account, but he had to have the manager sign off. After 10 minutes, he came back sheepishly and said the manager said my account didn't need to reflect that it was overdrawn because PNC had corporate "records and rules" and if they said it was overdrawn, then it was overdrawn! The clerk then suggested I "stop overspending" and go to our local Advance America short-term lender and borrow the money (at 391.71 APR) to bring the checking account current! I was speechless! I went back a second time to actually talk to the manager and when I told her I felt PNC had essentially stolen my money, she indignantly said, "I am offended!" I calmly said, "Any offense you are experiencing is minor compared to the offense I feel at the theft perpetuated by this bank from its customers." Beware of PNC; they are nothing short of criminal!