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I have a business account with PNC which generates around $10, per month in transactions. Occasionally, I need to see a deposited item or a check image to verify what Phone: ()

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Customer FAQ It happens. You lose your debit card, forget your password, lose your phone, etc. When you enroll in Online Banking through our website, you will be consenting to receiving through Online Banking electronic information consisting of: The agreement with us that governs Online Banking; Change of terms and other notices relating to Online Banking and required by applicable law; and Information that is available to you through Online Banking concerning transactions made using Online Banking and accounts as to which information is available through Online Banking.

You have the right to receive the agreement and the change of terms and other notices in a paper format without cost to you. To do so, call our Customer Care Center at 1- or contact us through the secured messaging link in Online Banking.

You have the right to withdraw your consent to receiving the electronic information through Online Banking. However, if you do so, your use of Online Banking may be terminated.

To do so, call our Customer Care Center at or contact us through the secured messaging link in Online Banking. You must promptly notify us of any change in your email address. You may change your email address from the accounts overview page, calling our Customer Care Center at or contact us through the secured messaging link in Online Banking. For access to and retention of the electronic information, you must have a personal computer, internet access, an internet browser that supports bit or higher encryption and Adobe Acrobat Reader to open or view electronic documents.

By enrolling in Online Banking through our website, you will be confirming that you are able to access the electronic information. Coverage — This Agreement applies to your use of our Internet Banking Service Standard Bank Online , which permits you to access your accounts with us via the Internet for services selected by you and agreed upon by us.

This Agreement applies to all persons that are parties to the accounts. By using Standard Bank Online, you agree to abide by the terms and conditions of this Agreement and acknowledge your receipt and understanding of the disclosures contained in this Agreement. The section headings used in this Agreement are for convenience and organizational purposes only and do not in any way limit or define your or our rights or obligations under this Agreement. The specific available services are identified in Section 11 of this Agreement and Disclosure.

Your completion of the enrollment screen and your signature on the Funds Transfer Agreement, if applicable, constitutes your agreement to the terms of this Agreement.

Your responsibility — Y ou are responsible for selecting all systems, hardware and your Internet Service Provider ISP and for any defect, malfunction or interruption in service or security due to hardware failure, your choice of ISP and systems and computer services.

Eligible Standard Bank Accounts — To access your account s through Standard Bank Online, you must have at least one eligible account with us. Eligible accounts are limited to consumer deposit accounts and include the following: The Password has the same effect as your signature to authorize transactions. You agree to keep the Password private, not to record the Password or otherwise disclose or make the Password available to anyone. Anyone to whom you disclose your Password and anyone who has access to your Password will have full access to the services you can perform on Standard Bank Online, including full access to your accounts.

If you give your Password to a third party, then, you authorize Standard Bank to accept instructions from any persons using your Password to conduct Standard Bank Online transactions. Customer Liability — Tell us at once if you believe your Password has been lost, stolen or otherwise became available to an unauthorized person.

Telephoning is the quickest and best way of keeping your possible losses down. You could lose all the money in your accounts plus your maximum overdraft protection. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days of the date we mail a periodic statement to you, you lose any rights to recover from us, even if we failed to use ordinary care in making the transfer.

Contacts in Event of Unauthorized Transfer or For Other Reasons — If you believe your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, immediately call our Customer Care Center at during normal working hours or during non-working hours , and then if instructed by us, write us at: Also contact us if you think your statement or receipt is wrong or if you need more information about a transfer or payment listed on the statement or receipt.

We must hear from you no later than 60 days after we send you the FIRST statement on which the problem or error appeared. Tell us your name and account number if any Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. If you tell us orally or contact us through secure email, we may require that you send us your complaint in writing within 10 business days.

Business Days — Our business days are Monday through Friday, excluding federal holidays. We can process an internal funds transfer on the same business day as your instructions if we receive your instructions before our Standard Bank Online cut-off hour of 7: For an external funds transfer the cut-off would be 5: If we receive your instruction after these cut-offs or after the end of our business day, we process the transaction on our next business day.

If Standard Bank Online will not be accessible for an extended period of time, we will attempt to provide you with notice, but we cannot guarantee prior notice will be provided. Account Information — You can obtain specific information about your accounts, including: Account balance information, loan payment due dates and maturity dates Detail information including interest rates and interest paid year to date Account activity including deposits and withdrawals You will have the ability to download your account information to specific file formats.

Funds Transfers — You may transfer funds between eligible Standard Bank checking, savings, money market and loan accounts. You may also transfer funds between eligible accounts at other financial institutions and eligible accounts at Standard Bank under certain circumstances as approved by us. The account must be opened and in good standing for six months. Fund Transfers can be scheduled on a one-time or reoccurring basis.

A transfer of funds between any of these accounts may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Accounts requiring two 2 or more signatures are not eligible for this service. You agree to transfer funds only from accounts that have sufficient cleared funds to complete a transfer and understand that a transfer from an account with insufficient or uncleared funds may not be completed.

If the transaction has already been processed electronically, you cannot reverse the transaction. Federal Limitations on Transfers — Under federal regulations, you may make no more than six transactions per monthly statement cycle from your savings or money market deposit account. These transactions include; preauthorized fund transfers, telephone transfers, Standard Bank Online transactions, checks and point-of-sale transactions.

Each funds transfer through Standard Bank Online from savings or money market deposit is counted as one of the six limited transfers you are permitted each monthly statement cycle. Other Limitations, Priority and Performance of Transactions — We may, from time to time, limit the type, number and dollar amounts of any checks, drafts, transfers or withdrawals made by Standard Bank Online, notwithstanding the amount in your accounts.

If at any time you perform transactions whether Standard Bank Online or other types of electronic or paper based transactions on your account, and that account contains insufficient funds to allow all of the transactions to be performed, we may, at our sole discretion, choose which transactions we will allow to be performed, and we may refuse your other transactions including your Standard Bank Online transactions.

Alternately, we may, at our sole discretion, allow all such transactions to be performed and create an overdraft on your account. You agree to immediately reimburse us for the amount of the overdraft, and to pay any overdraft charges that may apply as set forth in our most recent fee schedule. However, there may be times when you need to speak with someone immediately especially to report a lost or stolen Password. In these cases do not use an electronic message. Instead, call us immediately at during working hours or during non-working hours.

Also it is important to remember that you cannot use an electronic message through Standard Bank Online to conduct transactions. To conduct transactions, please follow the appropriate instructions provided by the Bank. Standard Bank may also send you messages and or advertisements electronically through Standard Bank Online messaging and to your email address on file with us. Stop Payments — A stop payment order must be received in time to give us a reasonable opportunity to act on it, and must precisely identify the number, date and amount of the item, and the payee.

We will honor a stop-payment request by the person who signed the particular item, or, by any other person, who has a right to withdraw from the account, even though the other person did not sign the item. A stop-payment request initiated through Standard Bank Online will be considered a written request. Any stop payment initiated on Standard Bank Online will be mailed or emailed a confirmation of the stop payment. The confirmation notice will be mailed to the account address in our files.

You have a right to stop payment and here are the procedures for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments, here is how: Standard Bank Operations Department Old William Penn Highway Murrysville, PA If you stop one of these payments three business days or more before the online transfer is scheduled, and we do not do so, we may be liable for your losses or damages.

Periodic Statements — Our Standard Bank Online account activity will appear on your periodic account statement. Our Liability For Failure to Make Transfers — If you have given us all of the proper and timely instructions and have properly completed all fields to complete a transfer or bill payment, and we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages.

However, there are some exceptions. We will not be liable, for instance: If through no fault of ours, you do not have enough money in your account to make the transfer. If the money in your account is subject to legal process or other encumbrances restricting the transfer. If the transfer would go over the available balance in your overdraft account. If a transfer system was not working properly and you knew about the breakdown when you started the transfer.

If circumstances beyond our control such as fire or flood prevent the transfer or use of Standard Bank Online despite reasonable precautions that we have taken. If we have a reasonable basis for believing that unauthorized use of your account s has occurred or is occurring, if you are in default under this or any other Agreement with us, or if you or we have terminated or suspended your use of Standard Bank Online.

If your operating system is not properly installed or properly functioning. For errors or failures from any malfunctions of your browser, internet service provider, computer, computer virus or other problems relating to the computer equipment you use with Standard Bank Online, including, without limitation, your inability to access Standard Bank Online or any part of Standard Bank Online. For failure to provide access or for interruptions in access to Standard Bank Online due to Standard Bank Online system failure.

Where it is necessary for completing or tracing transfers or resolving errors or claims; In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant or other financial institution; In order to comply with government agency, bank regulators, court orders or other legal process; To our employees, auditors, service providers or attorneys in the course of their duties; To other companies affiliated with us; To others with your consent; And whenever required by law.

Termination — We may modify, suspend or terminate your privilege of using Standard Bank Online and may withhold approval of any transaction, at any time, without prior notice to you.

If you do not access your Standard Bank accounts via Standard Bank Online for any three 3 month period, for your protection, we reserve the right to discontinue this service. In the event we terminate Standard Bank Online, we will try to notify you in advance but are not required to do so.

You will be notified as soon as practicable. You may terminate your access to Standard Bank Online by notifying us in writing at: Standard Bank Operations Department Old William Penn Highway Murrysville, PA Third Parties — You understand that third parties other than us provide support and services relating to Standard Bank Online, and you authorize us to contract third parties to provide such support and service. We also reserve the right to assign or delegate certain of our rights and responsibilities under this agreement to other independent contractors or other third parties.

You may not assign this Agreement, in whole or in part, or delegate any of your responsibilities under this Agreement to any third party or entity. Amendment — We may amend this Agreement at any time. Notice will be sent to you at your current address in our files, or you agree that we may communicate with you any amendment by electronic message as allowed under applicable laws and regulations. Amendments will be effective upon the date indicated in the notice.

By accessing Standard Bank Online after the amendments have been made, you agree to be bound by the amended agreement. Addition of New Services — Standard Bank may, from time to time, introduce new online services.

We may notify you of the existence of these new services when they become available and, if you choose to make use of any new service, you agree to be bound by any terms and conditions regarding the new services that we may send to you. Virus Protection — You agree that we are not responsible for any electronic virus that you may encounter using our online services. We encourage you to routinely scan your computer using any reliable virus protection product to detect and remove any viruses found.

Undetected or unrepaired, a virus may corrupt and destroy your program, files and even hardware. No Waiver — No delay of or waiver by us of any power, right, remedy or obligation under or in connection with this Agreement on any one occasion will not constitute a waiver of that power, right, remedy or waiver on any later occasion.

In any event, no such delay or waiver by us is effective unless it is in writing and signed by us. General — This Agreement is intended to supplement and not to replace other agreements between you and us relating to your accounts, including, without limitation, our Deposit Account Rules. In the event of a conflict between this Agreement and any other account rules and agreements that apply to your accounts, this Agreement shall govern and prevail for Standard Bank Online related transactions.

General — To establish Bill Pay, you will complete certain enrollment screens or other documents evidencing your desire to access your personal accounts using Standard Bank Online. Your completion of the Online enrollment screen constitutes your acceptance to the terms of this Agreement. You must designate one or more eligible checking accounts as your bill payment accounts.

Checking accounts requiring two 2 or more signatures are not eligible for this service. To use Bill Payment, you will provide us with the name and address of the payee i. If your account number or any other information changes, of if you wish to add or delete payees, you must provide us with these changes before All such designations and changes must be entered in the appropriate fields through the Bill Payment section of Standard Bank Online.

You authorize us to make all changes submitted through Standard Bank Online by you or any other person having access to your password and account information.

You may pay any party located in the United States through Bill Pay. You agree not to use Bill Pay to make payments to the Internal Revenue Service, or other tax payments, payments arising from any legal proceeding such as child support payments or traffic tickets , payments to settle securities purchases, or to payees outside of the United States.

If you do schedule these types of payments, then you assume all risks should such payments not be timely delivered or processed. Fees — Fees for consumers are disclosed in our most recent fee schedule. You agree to pay promptly all fees if there are insufficient funds in your account, and we may charge these fees to any other of your Standard Bank Accounts.

The customer agrees to be responsible for telephone and Internet Service Provider ISP charges to the extent that any may be incurred by the use of Bill Pay. How Bill Payments are Made — Bill payments are processed either through an electronic transmission to the payee, or by a check drawn on your account and mailed to the payee.

Payees who receive electronic delivery through an electronic transmission to the payee will receive your payment information, including your account number with the payee, through a computer link. All checks are sent through postal mail.

Payments made with checks are generally received and credited by most payees within five to seven business days, and payments electronically sent are generally received and credited by most payees within three business days. To help ensure that your payments arrive on time, you must schedule your payments at least five to seven business days before the payment due date. This generally allows sufficient time for the payee to receive and post your payment.

If we receive any payment instructions from a payee, we may follow those instructions to help ensure that the payment is received by the payee and promptly credited to your account, with them. Payments where the payee requires payment stubs, coupons or remittance slips may require additional time to post as such payments are provided by us without such documentation.

You acknowledge and agree that Standard Bank shall have no liability for any finance or other charges based on the request for an online bill payment to be made to a payee that requires remittance documentation. Late Charges — If you follow all of the procedures described in this Agreement and follow all Bill Payment instructions accurately and completely, and a bill payment has not arrived at the payee within the allowable number of days described on the screen at the time you scheduled the payment, we will reimburse you for all penalties and associated late fee charges incurred due to such a late payment.

Situations in which you are responsible for failing to follow procedures and instructions include, without limitation, your failure to schedule the payment a correct number of days before the due date, incorrectly scheduling the payment or supplying incorrect account information.

Your Responsibility — You are responsible for selecting all systems, hardware and your Internet Service Provider ISP , and for any defect, malfunction or interruption in service or security due to hardware failure from your Internet Service Provider and its systems and computer services.

The Password has the same effect as your signature to authorize payments. You are responsible for keeping your Password, account numbers, and other account data confidential. We recommend that you do not give your Password to anyone else.

If you give your Password to a third party, then you authorize Standard Bank to accept instructions from any party using your Password to conduct Bill Pay transactions.

Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account plus your maximum overdraft savings account. If you do not tell us within 60 days of the date we mail a periodic statement to you, you lose any right to recover from us, even if we failed to use ordinary care in making the payment.

Standard Bank Operations Department Old William Penn Highway Murrysville, PA In cases where you need to speak to someone immediately especially to report a lost or stolen Password contact us immediately by phone. Error Resolution Notice — In case of errors or questions about your Electronic Transfers, contact us as soon as you can at the above telephone number or address. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.

Tell us your name and account number if any. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Business Days — Our business days are Monday through Friday excluding federal holidays. If we receive your Bill Pay instructions before our Online cut-off hour of If you schedule a bill payment for a future date, we begin processing the transaction after the close of business on that date if that day is a business day.

If the date you request for a future payment is not a business day, we will process the transaction on the business day immediately preceding the date you have requested. If you schedule a recurring bill payment and the payment date does not exist in a month, the payment will be processed on the last business day of that month. If Bill Payment will not be accessible for an extended period of time, we will attempt to provide you with notice but we cannot guarantee prior notice will be provided.

Canceling Bill Payments and Requesting a Stop Payment — Canceling an Order You may cancel a pending bill payment by selecting and deleting the payment from the pending payments menu.

Overdrafts — When you schedule a bill payment using Standard Bank Online Bill Pay , you authorize us to withdraw the necessary funds from your account with us. We deduct the amount of your bill payment from your account on the date we process your instruction.

We may charge payments against the account even though the charge creates an overdraft, or we may refuse to make payments if the charge creates an overdraft.

If you overdraw your account, you agree to immediately adjust the overdrawn amount, together with any applicable fees. Our Liability For Failure to Complete a Bill Payment — If you have given us all of the proper and timely instructions and have properly completed all fields to complete a bill payment, and we do not complete a payment from your account on time or in the correct amount according to our agreement with you, we may be liable to you for damages.

We will not be liable for instance: If through no fault of ours, you do not have enough cleared funds in your account to make the payment. Refer to our Funds Availability Policy received at your account opening. If the money in your account is subject to legal process or other encumbrances restricting the payment. If the payment would go over the available amount in your overdraft account.

If there are delays caused by the mail system or the negligence or willful misconduct of yourself or others. If the bill payment system was not working properly and you knew about the breakdown when you initiated the payment. If circumstances beyond our control such as fire or flood prevent the payment despite reasonable precautions that we have taken.

If you have not provided us with complete and correct payment information, including without limitation the name, address, account number and payment amount for the payee on a bill payment.

If we have a reasonable basis for believing that unauthorized use of your account s has occurred or is occurring, if you are in default under this or any other Agreement with us, or if you or we have terminated or suspended your use of Standard Bank Online or Bill Payment Services. If your operating system is not properly installed or functioning properly. For errors or failures from any malfunctions of your browser, Internet Service Provider, computer, computer virus or other problems relating to the computer equipment you use with Standard Bank Online, including without limitation, your inability to access Standard Bank Online or any part of Standard Bank Online.

Account Information Disclosure — We will disclose information to third parties about your account or the transfers you make, as permitted by law and by our Privacy Policy, including, without limitation: Termination — We may modify, suspend or terminate your privilege of using Bill Payment Services and may withhold approval of any transaction, at any time, without prior notice to you. If prior notice is required by regulation, you agree that any required notice may be sent electronically at your Standard Bank electronic address.

If you do not access Bill Payment for any 3-month period, for your protection, we reserve the right to discontinue this service. In the event we terminate Bill Payment, we will try to notify you in advance but are not required to do so.

Any one person who can use the account accessible with Bill Payment may terminate Bill Payment by writing us at: Standard Bank Operations Department Old William Penn Highway Murrysville, PA Termination shall not affect the rights and obligations of the parties for transactions made with Bill Payment Services before we have had reasonable time to respond to your termination request.

Third Parties — You understand that support and services relating to Bill Payment Services are provided by third parties other than us, and you authorize us to contract with third parties to provide such support and service. We also reserve the right to assign or delegate certain of our rights or responsibilities under this agreement to other independent contractors or other third parties. By accessing Bill Payment Services after the amendments have been made, you agree to be bound by the amended agreement.

Limitations, Priority and Performance of Transactions — For security purposes, we may, from time to time, limit the number and dollar amount of any payments made through Bill Pay, notwithstanding the amount in your accounts, and terminate or suspend Bill Pay without notice unless otherwise required by law or regulation. If at any time you perform transactions whether Bill Pay or other types of electronic or paper based transactions on your account, and that account contains insufficient funds to allow all of the transactions to be performed, we may, at our sole discretion, choose which transactions we will allow to be performed, and we may refuse your other transactions including your Bill Pay transactions.

Periodic Statements — Your Standard Bank bill payments will appear on your periodic account statement. General — This Agreement is intended to supplement and not to replace other agreements between you and us relating to your accounts including, without limitation, our Deposit Account Rules and our Consumer Online Banking Agreement and Disclosures. In the event of a conflict between the Agreement and any other account rules and agreements that apply to your accounts, this Agreement shall govern and prevail.

You confirm to us that: You have the computer hardware and software necessary to allow you to receive emails from us and to electronically, view and print each electronic document; b.

When provided to us, your email address is or will be a valid email address; c. You agree to receive electronically, and we no longer need to send you a paper copy of, any electronic document.

You acknowledge that there are risks associated with sending a notice to an email address for example, disruption of service, contamination by a computer virus and, because email is not private or secure, unauthorized access to the notice and information it contains. Once Electronic Statement Delivery takes effect for any selected account, whenever any electronic document for that selected account is ready to be made available to you at our website, we will send to your email address a notice that the electronic document is available to you at our site.

Except when applicable law requires otherwise, the notice will be the only notice we send to you concerning the availability of the electronic document to you.

You acknowledge that the notice will constitute delivery of the electronic document to you, whether or not you view or print it. You must not respond to the notice by email for example, by using the reply function in order to request information, service or a paper copy of any electronic document or other item or to terminate your enrollment in Electronic Statement Delivery, and we will not be responsible for responding to any request or termination of the enrollment made by your responding to the notice by email.

Contact us of any change in your email address or any errors or complications relating to your email alert or access to your Bank Statement. At any time after you enroll in Electronic Statement Delivery, we will discontinue mailing paper copies of electronic documents. For as long as we are required by applicable law to keep a copy of any electronic document, you may request a paper copy of the electronic document by calling our Customer Care Center at 1. You must pay us any applicable charge for the paper copy.

Your request for the paper copy will not constitute a request to terminate your enrollment in Electronic Statement Delivery. Even if we discontinue sending paper copies of electronic documents, we may resume sending them for example, because we believe that you are not receiving notices that an electronic document is available to you at our website or because we believe that a change in the computer hardware or software required for Electronic Statement Delivery creates a risk that you may not be able to receive electronically, view and print electronic documents.

If any selected account is closed, the final periodic statement for that selected account that we send you will be an electronic copy. You must promptly notify us or correct any change in the e-mail address to be used by you in connection with Electronic Statement Delivery. Computer, related equipment and services and software. The selection, installation, maintenance, operation and use of the computer, related equipment and services for example, telecommunications equipment or internet access service and software you use for Electronic Statement Delivery are your responsibility, and you assume all risks of loss resulting from the selection, installation, maintenance, operation or use of the computer, related equipment and services and software.

We may terminate your enrollment in Electronic Statement Delivery by sending you a notice of the termination and its effective date at your e-mail address or the mailing address shown for you in our records relating to the account. The termination can take as long as 60 days after the date we receive notice of the termination from you to take effect.

Any termination of your enrollment in Electronic Statement Delivery will be effective for each selected account. Any termination of your enrollment in Electronic Statement Delivery will not affect the validity or legal effect of any electronic document provided to you before the termination takes effect.

If any selected account is a joint account, any holder of that selected account may enroll in or terminate enrollment in Electronic Statement Delivery. All joint holders of any selected account will be bound by the enrollment or the termination of the enrollment.

Reasonable time to act. A reasonable time for us to act on any information, notice, order or other communication or document received by us in connection with Electronic Statement Delivery will not end until at least the close of business on our second business day after our business day we receive the information, notice, order or other communication or document. In the regular course of our business, we may, for the purpose of quality control, monitor and record telephone, e-mail and other communications between you and any of our employees and other agents in connection with Electronic Statement Delivery.

No change in this agreement can be made except as provided in this section. We may change this agreement or any aspect of Electronic Statement Delivery. We will send you a notice of the change and its effective date at your e-mail address or the mailing address shown for you in our records relating to your account. Unless we determine that the change is required by an emergency, we will send you the notice at least 30 days before the effective date of the change. We may establish a new fee or change an existing fee that you must pay in connection with Electronic Statement Delivery.

The good thing is I don't have a heart problem, otherwise I already have a heart attack and this bank will kill me with tons of penalties that my old transactions already been paid, which is not related to current. I regret that I gave them a five star before, but now I should give a Negative -0 star. To jump right in, I deposited two separate transactions on Friday during the day, into my business account. What a joke and a scam!!! I would strongly suggest not getting a business checking account or any account with PNC as their 1 goal is to make it as difficult as possible to bank without fees and headaches to avoid fees!

For more information about reviews on ConsumerAffairs. As I read the reviews I almost decided it wasn't worth the time to air my complaint. With a one Star rating it seems that I will be looking to move my 4 accounts and credit card to another bank. Both of my sons also have accounts. I purchased a I tried contacting Vertical Groove with no success and Amazon only wants to credit me I called PNC credit card and after a long hold told my story and then was transferred after another long hold and retell the story that they only help you for up to 60 days.

The lesson we are starting to learn is when we will only be able to buy things online we will be stuck when products fail.

We will have no options. I will seek info on different banks and credit cards to see their policies and then make a move. You don't need me. My husband and I have banked with PNC for many years.

For the FIRST time in my checking history - I made a mistake yup, a human error and forgot to xfer savings money into my checking account on time before the check was cashed.

I work in one of the companies where our busiest seasons is NOW. I attend school and work second shift. Well, the funds WERE there. Just not in the correct account. You think some type of understanding would be considered.

Not necessarily, but the very principle. That process took another 2 weeks of spending hours on the phone after being transferred multiple times. Their phone tree service is also very poor to get to talk to the right person who knows anything about this product.

The representatives does not know the process of opening a PNC High Yield Savings account as they ask for a pin number which they are not able to issue or get timed out when they do. My call got disconnected during the security questions as well. I finally got set up to only find out that PNC is not set up for joint accounts for high-yield saving on-line accounts even though their website says they are.

I applied online and I received the approval notice email the next day. The email said to call PNC to obtain the account number so I can enroll in online banking. First the phone number did not work. I had to Google customer service phone number. Then I got transferred multiple times. I spoke to escalation representative and got the toughest security questions ever. Then my call got disconnected during the security verification. Hopefully the experience will be much better once the account is fully set up with online banking.

Otherwise, I will be wasting more time trying to close the account. I have had my accounts with PNC for over four years. I have rarely had the luxury of having that amount of money in an account. Furthermore, the woman told me that I have been assessed the charge for years. I reviewed my statements. Well, this BS pretty much seals the deal.

Leaving PNC tomorrow and going to another bank. I don't do business with people who lie. PNC bank serves individuals, small businesses, corporations and government entities. Their banking division has over 6 million customers across 19 states and the District of Columbia. PNC Bank has the following organizational structure: