PNC processes withdrawals highest value first to maximize the generation of over draft fees. I had a check deposited 3 days early and it caused an over draft on my account, I immediately transferred money from my other bank but they didn't credit the account until the next day. For covering $45.00 in transactions, they charged me $180 although the money was there the whole time. When I spoke with the Branch Manager, I was told that was just the way it works at PNC; as soon as I move my direct deposit I am closing the account. Stick with the Community Banks who are Customer Focused instead of solely focused on the profits. read full review »