After trying PNC Bank over a 12 month period with my personal and business checking accounts, I find their bank fees to be pretty odd.
After having to actually send an email to the CEO (you can find any CEO name on the company financial page, and use the email format for that company), I finally got that $300 they promised for opening a merchant account for the processing of my business credit card transactions. Then we got into several visits to the local branch on fees being charged to my various accounts. The latest "schemes", which can result in potential fees being charged against your checking account are: at night, they would process debits (withdrawals) before your credits (deposits) resulting in your account going into overdraft most times. The next issue, which I find grossly disturbing, they would charge you a service charge if there is a PENDING debit card authorization on your account. Some merchants would just run an authorization on your card to see if it's valid (gas station, hotels, etc) before actually charging you the final amount tendered. However, PNC Bank would use that pre authorization still in pending status as a purchase, and charge you an overdraft fee if your available balance at the time was less that the pending authorization.
We are now moving all 4 of our accounts to another financial institution, as we truly gave PNC Bank a try, but they've started to introduce more of these rogue service fees.
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