I opened a joint account with my son so he would have use of an ATM account while in college. We chose PNC bank because his college marketed PNC to freshman as the bank on campus. We were offered the service of overdraft protection where for $36 PNC will cover overdraft fees. I don't believe you should be able to take money out that you don't have so I declined the overdraft protection. I specifically said I do not want him to be able to take money out if it's not there. I closed the PNC accounts yesterday after paying $140 in... read full review »