Pnc Bank move figures around to maximize overdraft fees and no one in charge to reason with pass the buck in pnc pocket Avoca Pennsylvania

""spare us the proper way to handle a checking account because we have heard it all""

If so, then why do you continue to behave in banking behaviors that cause these OD/NSF to be assessed?

Using an account register and reconciling that register with a monthly account statement from the bank will prevent any account holder from causing any NSF/OD fees.

The majority (if not all) of the reports I've read about NSF/OD fees have common behaviors of the account holders:

using atm cards for everyday purchases.
using more than ONE card attached to the account (husband and wife)
using atm cards for online purchases.
using atm cards for 'auto-bill pay' (autodebits)
relying upon telephone or online account balances to determine what money is available for that shopping trip to Walmart.
*NOT using an account register.
*not reconciling an account register with the scheduled monthly account statement generated by the bank.

Ways to avoid these NSF/OD fees:

1. Use an account register and reconcile the account register with a monthly written statement generated by the bank. If the bank is not mailing statements, contact customer service to have monthly statements MAILED to you.

1a. Be aware of ATM fees, such as the 'non-bank ATM fee' that most banks charge when you use an ATM that is not owned by your bank to make a withdrawal and post that fee in your account register immediately.

1b. Also be aware of any monthly 'account service fee' charged by your bank and post that to your register on the appropriate date.

2. Do NOT GIVE bank account information (or ATM card info) to any merchant, service provider, utility, online service to pay for services and goods. Use a REAL credit card for this purpose (either secured cc or unsecured cc.) Do not setup any automatic deposit to an account that is attached to said cc-NO auto payments to CC company-mail a check each month. If the entity demanding payment makes a mistake, you're gonna have a host of problems and risk OD/NSF fees.

3. Do NOT use an ATM card for everyday expenses-USE CASH. Establish a monthly budget and withdrawal a weekly 'allowance' for every day expenses such as 'milk and bread' from the corner store, Burger King, etc. This will reduce the amount of transactions on the bank account which in turn makes RECONCILING the account and detecting ERRORS easier to accomplish. Again, if the entity demanding payment makes a mistake, you're gonna risk NSF/OD fees.

4. Do not shop with the ATM card-use a real credit card. A real credit card offers protections that you don't have with an ATM card. If the merchant/service makes a mistake, you can dispute it with the CC company WITHOUT getting any OD/NSF. Not true if you use an ATM card-if the merchant makes a mistake, your money is gone until you can convince your bank to give it back, as well as OD/NSF fees.

5. ONLY ONE ATM CARD to one account. Do NOT have 2 or more atm cards for one bank account. Having 'his and hers' ATM cards attached to the same account is the same as in the old days when some folks would have 2 checkbooks for writing checks. It was an invitation to disaster then, and it is today.

6. Verify that deposits to the account have actually cleared. Deposits can take anywhere between 1 and 5 BUSINESS days to clear depending on the type and/or source of the deposit.

The Federal Reserve publishes a Consumer Compliance Handbook which gives detailed information about what banks can and cannot do with deposits, holds, and funds availability. You can download this handbook at http://www.federalreserve.gov/boarddocs/supmanual/cch/200711/cch200711.pdf

Follow ALL of these suggestions and you will NEVER pay an OD/NSF fee again unless it is a LEGITIMATE bank error, and then the bank will gladly and quickly rectify the situation and credit any fees generated as well as contact payees and cover any fees the payees assess to you.

This is a tried and true method to avoid these fees. It works EVERY TIME it's tried.

Sir, if you do intend to contact the news media, please read my complaint against PNC titled "misguided and forced into bankruptcy by PNC Scranton". I would be more than happy to join forces with you to expose these incompetents who hide in their dark hole in Pittsburgh and refuse to shoulder their responsibilities to the consumer. You can contact me through a rebuttal at this website if you so desire. Thank you and good luck.

you must be an employee of pnc bank. i have been ripped off by pncs policy and know what the big o went through. spare us the proper way to handle a checking account because we have heard it all.if you are so gifted tell me how to keep funds in an account that is constantly being charged these fees when atm withdrawls are subtracted from your account and not bounced because there was plenty of money in the account until they juggle the figures then take out the large check and then after you see they bounce the atm withdrawls. there is no bank that should do this because it is wrong even if a few idiots condone this very unfair practice

Thanks, you made my day! :{)

If you were robbed call the police.

"...I CANNOT BELIEVE THEY THINK I AM THAT STUPID.."
- Okay who had a $600 balance and wrote a $1000 check?

Please be sure to update us with what the police said as well as your friend in the news media. By the way every bank posts transactions highest to lowest, but that only matters if you overdraft. If you don't spend more than is available no matter how they post the debits and checks it can't cause you to go negative.