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|FIRST NATIONAL BANK COLORADO LOCATIONS|
PNC is a full service branch offering checking, savings, certificates of deposit, on-campus ATMs, personal and business loan services, mortgage services, trust and investment services, as well as MasterCard® and Visa® services.
- Bernhard Center (main entrance and Bronco Mall)
- College of Engineering
- College of Health and Human Services
- N. Dormitory Rd.
- Miller Auditorium
- Parking Services
- Reed Field House
- Schneider Hall
- Waldo Library
ATM Locations/Schedule an Appt.
Bernhard Center, lower level (Bronco Mall)
FAll 2021 hours
|Monday||9 a.m. to 5 p.m.|
|Tuesday||9 a.m. to 5 p.m.|
|Wednesday||9 a.m. to 5 p.m.|
|Thursday||9 a.m. to 5 p.m.|
|Friday||9 a.m. to 5 p.m.|
|Saturday pnc bank com pnc bank com Sunday||Closed|
Phone: (269) 387-6220
PNC Bank’s entry into the Dallas-Fort Worth market reminds me of those crash test dummies that smash into walls. PNC hit a brick wall, but the company is pretending there was no accident.
PNC Bank bought BBVA Bank. But the changeover for some customers last month was rougher than anything expected.
Two customers tell The Watchdog that they lost access to either their money or their bank financial history. Their complaints are supported by threads of negative comments on social media.
James “Rod” Pannek of Dallas told me that when PNC took over, he lost access to detroit water bill pay of his accounts. He said he called 20 times “and never once spoke to a person.”
“I have had zero access to my personal accounts and one business account,” he said. “No ATM. No online. No app access.”
Rhonda Aghamalian of Arlington told me she was devastated on the first day of the switch when she lost years of personal financial data stored in BBVA’s cloud. The bank didn’t care, she said.
Bank in denial
PNC Bank spokeswoman Marcey Zwiebel told me the bank gained 2.6 million BBVA customers, and “we have been working directly with fewer than 1% of all converted customers to help resolve this concern.”
She said, “At no time were any customer accounts blocked or inaccessible.”
“Our platforms are performing well with no systemic issues, and the conversion went well for nearly all customers.”
I showed this to Pannek and he told me he has confirming witnesses.
“I can only speak to my experience and my son’s and my fiancée’s and an employee and three friends,” he said. “We all had the same experience. This was a wide-ranging problem.”
After three weeks, he regained access when he filed a complaint with federal regulators.
Aghamalian said she called customer service but couldn’t get through. She checked social media posts and learned she was hardly the only one.
Social media rants
On Twitter, Jae Proctor (@jae7878) writes, “I pnc bank com pnc bank com sign into my account on PNC.”
“This takeover of BBVA is a joke,” Jeffrey J. Dicker writes.
@Zeleve: “Your people hung up on me four times on the phone.”
Clayton Gray: “I called customer service. Was hung up on twice. The third time, the person was nice but couldn’t find my account and put me on hold – 74 minutes ago.”
On Facebook, Felix Arredondo writes, “I go to the local branch. Nobody can tell me where my money is or when I’m getting it back, so now I have to financially struggle.”
JR Griffith: “The branch offices are overwhelmed with people that can’t access their accounts.”
Samantha Winn Marcantonio: “This merger is an absolute disaster and one of the most unprofessional things I have ever encountered. Scary actually!”
Tima Emory: “Y’all couldn’t have done a worse job.”
The Watchdog is surprised that the bank is playing this down. What a horrible first impression for PNC to make with its pnc bank com pnc bank com Texas customers.
With the sale, PNC now has more than 100 brick-and-mortar locations in Dallas-Fort Worth, part of 330 Texas locations. PNC becomes the fifth largest U.S. commercial bank organization.
I’ve seen awful changeovers before. More than a decade ago Atmos Energy switched to a new billing system, which, at first, left customers’ bills in shambles.
More recently, Frontier Communications bought Verizon’s FiOS system, and service was so maddening that customers fled in droves.
Both companies acknowledged their failure and made promises to fix it.
PNC, in contrast, pretends there is nothing to see here: “No systemic issues. . No accounts blocked or inaccessible.”
Note to PNC: You need a new communications department.
Of all the banks this could have happened to, I’m not surprised who is involved. The Watchdog has previously reported poor banking practices for BBVA and its previous owner Compass Bank.
At Compass, I reported how the bank was overdraft happy. I told the story years ago of the woman who went 2 cents into overdraft and was forced to pay $100 in fees. (I got them reversed.)
At BBVA/Compass, I showed how the bank offered a scratch-off, lottery-like game. But when customers won money, the bank refused to pay.
In the end what gets a bank’s attention is filing a complaint with its regulator. New PNC customer Pannek told me that after he filed a complaint with the U.S. Consumer Financial Protection Bureau, his complaint shot to the top of the list. (ConsumerFinance.gov)
I’d also suggest filing ww bank of america online banking complaint with the Office of the Comptroller of the Currency, PNC’s direct regulator. (1-800-613-6743)
But it’s too late for at least one customer.
Aghamalian told me, “I have completely lost faith in PNC as a result of going through this transition.”
When you lose complete faith in your bank, don’t you think it’s time to find another one?
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PNC Bank Review
Banking with Pnc bank com pnc bank com presented on its corporate website—is somewhat confusing, especially if you are looking for stand-alone accounts. The bank packages three accounts together in what it refers to as its Virtual Wallet. You also will be asked to enter your ZIP code on various pages to be sure you’re viewing the correct interest rates and offers.
There are different iterations of the Virtual Wallet available based on customer needs. Here’s a look at the various accounts available through PNC.
Two out of three accounts within PNC’s Virtual Wallet are checking accounts. “Spend” is the primary checking account and is a fairly standard checking account that does not earn interest. There’s no minimum deposit requirement to open pnc bank com pnc bank com Spend account online. The account also comes with a free debit card and access to PNC’s fee-free ATM network.
Unlike some banks, PNC does charge a fee for out-of-network ATM use, although it waives the first two fee charges per statement cycle. You’ll also receive a $5 fee reimbursement per statement cycle for ATM fees charged by other financial institutions.
Another interesting feature included with Virtual Wallet is double overdraft protection. If you’re ever at risk of overdraft on your Spend account, PNC will automatically move funds over from your Reserve or Growth account.
“Reserve” is an interest-bearing checking account. It’s designed to help customers save for upcoming or unforeseen expenses. Although it’s an interest-bearing account, pnc bank com pnc bank com only earns 0.01% APY on all balances over $1.
Versions of PNC’s Virtual Wallet are also available as options for student and military banking. The Student Virtual Wallet comes with extra benefits for up to six years, including no monthly service fees. The military version features reduced qualifying requirements for waived monthly fees.
In certain markets, the package is called Virtual Wallet Checking Pro, and can be configured with just the Spend account or with the Spend, Reserve and Growth accounts.
The third account that makes up PNC’s Virtual Wallet is “Growth.” The savings account earns between 0.01% and 0.03% APY depending on your balance and whether you meet monthly requirements for relationship rates.
Eligible markets also have access to PNC’s High Yield Savings. This online-only savings account features a more competitive rate currently at 0.40% APY. The account features no minimum opening deposit or ongoing balance and no monthly service charges. A $100 deposit is required to open a money market account.
PNC also offers a Standard Savings Account. Like most of the bank’s other deposit accounts, it features relatively low interest rates. There is a $25 minimum deposit required to open a Standard Savings Account.
‘S’ is for Savings is PNC’s savings account for children. A $25 minimum deposit is required to open an account. The savings account earns 0.01% on all balances. Geared toward younger kids, account holders have access to an interactive banking learning center, including tips from Sesame Street characters.
PNC also offers a Premiere Money Market Account, green dot visa debit card balance check in select markets. Rates range from 0.02% to 0.06% APY, depending on your balance and whether you qualify for relationship rates. The money market account features unlimited deposits and a PNC debit card.
PNC is also home to two types of certificates of deposit (CDs). Fixed Rate CDs are available in a host of terms ranging from seven days to 10 years. A $1,000 minimum deposit is required to open a Fixed Rate CD. You can open CDs with terms between three months and 36 months online, while opening other length CDs requires visiting one of PNC’s local branches.
The rates shown are for Fixed Rate CDs with opening deposits of between $1,000 and $24,999.99.
Ready Access CDs also come with a fixed rate but offer more flexibility. You can pull funds from a Ready Access CD at any time after the first seven days from account opening. Ready Access CDs are only available in two terms—three months and 12 months. A $1,000 minimum deposit is required to open a Ready Access CD as well as a trip to a local PNC branch since these CDs aren’t available online.
None of PNC’s CDs are among those offering the best CD rates available.
Other Accounts and Services
Besides its personal deposit accounts, PNC Bank also offers the following financial products and services:
- Credit cards
- Mortgage loans
- Mortgage refinancing
- Home Equity Lines of Credit (HELOCs)
- Auto loans
- Personal loans and lines of credit
- Student loans
- Student loan refinancing
- Retirement and investment accounts and services
- Private banking
- Business banking, credit cards, and lending
- Commercial, corporate, and institutional banking and financial services
Part of PNC’s Virtual Wallet is a service called Low Cash Mode. There are no non-sufficient funds fees and a maximum of one $36 overdraft fee per day with Low Cash Mode. PNC customers with Virtual Wallet will receive customized alerts any time their account is low.
You’ll also receive a minimum of 24 hours extra time to get your account balance back to at least $0 road map of america being charged an overdraft fee. There’s a clock within PNC’s mobile app that shows you exactly how much time is left before you’re charged a fee.
Access on the Go
For on-the-go banking, there’s PNC’s mobile app, available on iOS (where it’s rated 4.8 stars out of 5) and Android (rated 4.5 stars out of 5). Through the mobile app, PNC customers can:
- Manage accounts
- Deposit checks
- Pay bills
- Send and receive money via Zelle
- Lock a PNC debit or credit card if it’s lost or stolen
- Set travel notifications
- Contact PNC customer support
There’s even a feature within the app to access select PNC ATMs without a card through a one-time access code.
Of course, you can also access your accounts and perform many of the same functions online through PNC’s website.
If you prefer banking in person, PNC has you covered. PNC operates approximately 2,300 local branches and roughly 18,000 ATMs across the U.S.
PNC customer support is available in person at local branches. You can also reach customer support via online chat or by phone at 1-888-762-2265 Monday through Friday from 7 a.m. to 10 p.m. ET and Saturday and Sunday from 8 a.m. to 5 p.m. ET. You can also tweet customer support at @PNCBank_Help.
- Competitive APY on its online savings account
- A large number of local branches and ATMs
- Full suite of digital banking tools
- High Yield Savings account isn’t available everywhere
- Most CDs can only be union savings bank com in person at a branch
- Expensive overdraft fees
How PNC Bank Stacks Up
Navigating PNC’s banking products online is confusing, especially with several versions of its Virtual Wallet available. It doesn’t help that some products are only available online or in select markets. Stand-alone bank accounts are available but require much digging to find information on how to open one.
If you live within the bank’s service areas and are looking for full-service banking, PNC is a union savings bank com choice. You won’t find competitive rates except with its online-only savings account, but it’s great for someone who prefers in-person banking or wants to keep all of their bank accounts housed under one roof.
Frequently Asked Questions (FAQs)
Is PNC Bank FDIC insured?
Yes, PNC Bank, National Association is FDIC insured (FDIC# 6384). All PNC Bank accounts are FDIC insured up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.
Yes, PNC uses strong security measures—like the latest encryption technology, firewalls, security questions and two-step verifications—to keep customers’ personal and account information safe.
Yes, PNC is a solid choice for individuals looking for full-service banking who live within the bank’s service areas.
What is required to open a PNC account?
To open a bank account through PNC, you must be at least 18 years of age and have a valid driver’s license, state-issued ID, or military ID for identification purposes. You’ll also need a way to fund your account. Some accounts are available to open online, while others require visiting a local PNC branch.
How do I get a live person at PNC?
You can reach live customer support through PNC’s customer service line at 1-888-762-2265 (1-888-PNC-BANK) Monday through Friday from 7 a.m. to 10 p.m. ET and Saturday and Sunday from 8 a.m. to 5 p.m. ET.
PNC Bank offers student and workplace banking, as well as financial literacy programs for students, faculty, and staff. Additional highlights of our partnership include:
Virtual Wallet Student® for Student Banking with PNC
Virtual Wallet Student gives students the resources to help keep track of their money both on and off campus. Take control with simple easy-to-use interactive tools. Check balances, make payments, and more – all online or through the Virtual Wallet® app.
For more information, visit pnc.com/georgetown.
A PNC Bank e-Branch, located in the Leavey Center
This e-Branch is staffed by banking specialists to assist customers with completing transactions. It is equipped with technology to inform and educate customers on PNC products and services.
Seven on-campus PNC Bank ATMs
PNC ATMs are located on campus in Village C, Leo O’Donovan Dining Hall, and Healey Family Student Center. PNC ATMs are also located in the School of Continuing Studies and Law Center. Additional ATMs and branch locations can be found using PNC’s branch and ATM locator.
GOCards linked to PNC accounts
Linking the Georgetown GOCard to you PNC accounts adds ATM and purchasing functionality to the Georgetown One Cards.
Support to international students opening U.S. bank accounts
Students will have access pnc bank com pnc bank com U.S. banking educational materials, translation services, and one free international wire transfer per month. More information can be found on PNC’s international student website.
Access to PNC My Finance Academy
PNC wants you to have the knowledge and confidence to manage your money. That’s why PNC created the PNC My Finance Academy. My Finance Academy provides information and real-world insights for everyday financial challenges. My Finance Academy can help you understand financial basics and make the most of your money.
With PNC WorkPlace Banking, you gain access to money-management tools that fit your schedule and lifestyle. The time-saving PNC WorkPlace Banking allow you to spend time on what you do best: motivating others. Learn more about PNC WorkPlace offers and program.
Link your PNC bank account, complete account applications, manage finances, pnc bank com pnc bank com find financial and educational information.
PNC Financial Agreement
PNC Virtual Wallet
PNC Virtual Wallet Fine Print
PNC Virtual Wallet Student Form
PNC Virtual Wallet Features and Fees
DOE Cash Management Rule 34 CFR 668.161-668.167
Virtual Wallet Student is a registered trademark of The PNC Financial Services Group, Inc.
© 2019 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC
PNC owes $107 mln for Allegiant’s ‘egregious’ breach of trust – 8th Circ
- Case stems from fraud by pre-need funeral service firm, insurers
- Trustee was victim too, but should have detected the scheme
(Reuters) - A predecessor’s failure to safeguard trust assets against a massive fraud scheme involving pre-need funeral contracts will cost PNC Bank $107 million, the 8th U.S. Circuit Court of Appeals held Monday.
PNC, represented by Dowd Bennett, argued that the $100 million judgment should be reduced to $46 million and that all of the $7 million fee award should be erased because its predecessor, Allegiant Bank, also was an unwitting victim of the scam perpetrated between 1998 and 2004 by National Prearranged Services Inc (NPS) and two related insurance companies.
Although Allegiant had not participated in the scheme, its failure to detect it was “an egregious breach of trust” that justified the 2019 award of compensatory and punitive damages to the receiver for NPS and several state life insurance guaranty associations, Circuit Judge Steven Colloton wrote for the panel. He was joined by Circuit Judges Roger Wollman and Bobby Shepherd.
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Daniel Reilly of Fennemore argued the appeal for the receiver, the National Organization of Nail shops open today and Health Insurance Guaranty Associations, and the state guaranty associations of Missouri, Texas, Illinois, Kansas, Oklahoma, Kentucky, and Arkansas. He was unable to comment on the opinion late Monday.
PNC’s attorneys did not immediately respond to requests for comment. The Pittsburgh-based bank acquired liability for Allegiant’s former trust services as part of its 2008 acquisition of National City Bank.
A year earlier, Texas insurance regulators had appointed a receiver to liquidate NPS and two Texas-based insurers, Lincoln Memorial Life Insurance and Memorial Service Life Insurance Company. Like NPS, both insurers were owned by James “Doug” Cassity or his family.
NPS had ostensibly complied with Missouri law by purchasing life insurance policies to cover its obligations to the pre-need contract holders and placing them in seven trusts at Bmo harris bank branch hours Bank.
However, NPS would frequently “mismatch” policies, creating a Ponzi-like scheme in which new contracts were used to pay for services under older ones. The insurers also allowed NPS to borrow against the value of the policies, depleting their value.
The policy loans required a sign-off by Allegiant, but the companies never requested Allegiant’s approval, and Pnc bank com pnc bank com never caught the omission.
The receiver and the guaranty associations filed suit in U.S. District Court in St. Louis in 2009, while federal prosecutors brought criminal fraud charges against Cassity and other individuals in 2010. The prosecution ended with several guilty pleas and one conviction in 2013.
The civil suit went to a jury trial in 2015. The 8th Circuit tossed the $391 million verdict in 2017, saying the case should have been tried to a judge.
On remand, Senior U.S. District Judge E. Richard Webber awarded $72 million in compensatory damages, $15 million in punitive damages and $12 million in prejudgment interest, plus attorneys’ fees.
PNC argued that the award should have been limited to compensatory damages only, and that Webber had miscalculated the amount. Among other things, it said, Allegiant was not responsible for $13 million in policy-loan losses, and any losses in some trust accounts should have been reduced by $11 million in gains in other accounts.
“We conclude that none of PNC’s arguments establishes reversible error, and therefore affirm the judgment,” the 8th Circuit held.
The case is Jo Ann Howard and Associates, P.C., Special Deputy Receiver, et al. v. National City Bank and PNC Bank, N.A., 8th U.S. Circuit Court of Appeals No. 19-2554.
For the Special Deputy Receiver et al.: Daniel Reilly and Clare Pennington of Fennemore
For PNC Bank et al: James Bennett, Elizabeth Carver and Caitlin O’Connell of Dowd Bennett
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PNC Bank offers money management tools and certain benefits to CWRU students and employees to help you achieve your financial goals. To learn more about the campus banking program at CWRU, please stop by or call the University Circle branch at 216-791-9696 or visit pnc.com/cwru.
With PNC Bank located conveniently on and near campus, it’s easy to get cash, deposit checks and manage your money!
PNC Bank On & Near Campus pnc bank com pnc bank com Branch Location
- University Circle, 2025 Stokes Blvd.
PNC Bank On & Near Campus – ATM Locations
- Biomedical Research Building (BRB)
- Crawford Hall (main entrance)
- Fribley Commons
- Nord Hall, PNC DepositEasySM ATM
- Tinkham Veale University Center
College is tough. Managing your money doesn’t have to be with Virtual Wallet Student® by PNC Bank.
- Innovative, easy-to-use tools to help you get better at budgeting
- Avoid the monthly service charge for Virtual Wallet Student with proof of active student status for six years1
- Reimbursement for up to 2 non-PNC ATM transaction fees each statement period2
- One Complimentary overdraft fee refund on the first incident within first 12 months3
- Enroll in Email or text message alerts that can inform you of activity in your account4
Turn your CaseOneCard into your ATM Card
You can link your CaseOneCard to your PNC Bank account and use it as an Justin berk weatherman card too. The card that gets you around campus can also withdrawal available cash from PNC Bank ATMs.
If you’d like to connect your CaseOneCard with your PNC Bank account(s), have your account info handy and follow these steps:
- Head online to pnc.com/cwru and sign in to PNC Online Banking
- Go to the Customer Service tab
- Click “Link Campus ID Card” under the Account Services section
- Select your school and follow the easy instructions
You can also link your account by visiting any PNC branch or by calling 1-877-PNC-1000.
Show your school pride with a PNC Bank Visa® Debit Card designed for Case Western Reserve University!
- Use your PNC Bank Visa® Debit Card at more than 8,600 free PNC ATMs
- Make purchases anywhere Visa is accepted
- Faster, free, and easier!
PNC Bank’s WorkPlace Banking is a program of special offers and enhanced benefits to help employee’s financial achievement and is available to you because of Case Western Reserve’s relationship with PNC Bank.
To learn more about the program and all of the benefits check out pnc.com/cwru.
PNC Banking representatives will be on campus to provide assistance to students and employees. Check The Daily for the dates, times, and locations as they vary by month to accommodate the entire campus or visit the PNC Bank branch located at University Circle at 2025 Stokes Blvd. or locate us online at pnc.com/cwru.
1 Proof of active enrollment in an educational institution is required to receive a monthly service charge waiver. This waiver will expire 6 years after it is assigned to your account.
2 The fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts during the statement period will be reimbursed to your Spend account at the end of the statement period. Fees in excess of two per statement period will not be reimbursed.
3 Although the fee may be refunded, the transaction will be considered an overdraft or pnc bank com pnc bank com funds (NSF) occurrence when determining any subsequent overdraft or NSF fee. 4 Your wireless carrier may charge you standard text message rates.
Visa is a registered trademark of Visa International Service Association and chase bank greenwood indiana state road 135 under license.
©2016 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC