I've been a member of these bank changes since 1995. I requested overdraft alert as I had with National City. 1st time it did not alert me until 2 days after overdraft thus no way to stop continuation. Contacted cust service and they refunded all charges citing new take over bugs. Next incident alert came and I went to bank to cover and stop overdrafts. Another post came through that night that was not on my online banking pending list. I made a mistake and forgot about the charge. I was in positive close to 100.00 when I last saw my online account. Posted charge at all the positive and a few dollars into overdraft.
I was never notified by the online warning again. Since i hadn't looked at my account, and trusted I was in the black because no overdraft warning, my automatic deposits, and addition of what I thought was in the account, led me to believe I was ok.in fact PNC was bouncing everything because of the 1 overdraft.By the time I caught it (notification by mail) I had over 15 overdrafts and overdraft day charges. That's over 540.00 in overdraft charges plus my daily penalty of 7.00 per overdraft per day. I quickly borrowed monies to clear account and contacted customer service and not only were they rude they saw no fault on their part. They refunded 2 overdrafts as a goodwill gesture, bringing the total down to 15, and refused any other assistance.
The second incident occured last week when I was notified by email warning I was below threshold I set at 50.00. I went to bank, deposited to excess of 105.00 to be safe. The check I deposited was drawn off PNC and I was told it would post immediatly. It did not. I checked my account that night before going home, about 5:00pm. It showed my pending deposits outfunding my pending withdrawls by over 100.00. Over the next couple of days outstanding charges, that never showed on my pending, came in and again used all my positive asset. I never received an alert.By the time I caught the problem they had bounced 10 items for 360.00. When questioned they informed me that I never "officially" went positive over 50.00 so alerts will not come until that mark is hit. That's absurd! I argued the fact when I left the bank the teller told me my balance was 114.00. Doesn't get much more official than that. I again requested assistance and again the bank claimed no foul and refuses to assist.
In the 16 yrs of banking with the same bank building, names changed several times, I have never come close to bouncin 15 items in 16 yrs, now at PNC it's 30 in 6 months! The account is hard to track as I pay all my automatic charges from this account and some of them are quartly. I count on the overdraft warning as I am horrible at banking and tracking. They provide the tool, and it does not work. But that's my fault according to them. To me it seems they are being devious and creative to take our money in fee's that no other bank simulates. I have several accounts elsewhere and they all sent alerts everyday! We were told whe PNC took over they banking would pretty much stay the same and be better! Better at what? Stealing?
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