Do you bank with National City? Well, it’s time you were introduced to PNC. Based in Pittsburgh, PNC is buying Cleveland-based National City for $5.2 billion. PNC is also taking $7.7 billion from the Treasury’s capital-infusion program. [NYT]


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  1. blackmage439 says:

    Crap… I just opened two accounts with them, and turned in paperwork for direct deposit. Should I be worried?

  2. pb5000 says:

    Glad I cashed in my points last week.

  3. tmlfan81 says:

    Sadly, I presently bank with National City as it was the only branch that would take me given my present financial situation. I hate them with a fiery passion. Will I hate PNC more, or less?

    Please say less, my health insurance blows and I don’t want to deal with heart problems as well.

    • SomeoneGNU says:

      @tmlfan81: @tmlfan81:

      My wife and I have banked with PNC for years without issue. The one time in all those years I bounced a check, due to a mistake caused by me transferring money the wrong way, they credited back the fees.

      Of course, YOUR mileage may vary but I always have been happy.

      • tmlfan81 says:


        Well, that is really good to know. National City started off nice and friendly, but over time they became a major thorn in my side. They always try to upsell us on products and services, even if we already proved we don’t qualify.

      • Darascon says:

        @tmlfan81: I’ve banked with PNC for over a decade now and have not had problems whatsoever. A couple times I got hit with NSF charges and all were revoked after speaking with Customer Support. Their web banking is great as well. You should not have any problems.

        • oneandone says:

          @tmlfan81: I’ve been with them for 6 years (in 2 cities) and haven’t had any problems with them. The ATMs have been a bit sparse, but that’s been the worst of it (and that’s not so bad).

          You get some stuff in the mail from 3rd party life insurance, etc, but I’ve never gotten an upsell in person or on the phone. Generally, it’s been a pretty straightforward and bland relationship. Luckily, my financial situation is uncomplicated, and they don’t do anything to mess it up.

          The debit cards are bright orange, though, which takes some getting used to. I’m not a fan.

  4. thekicker says:

    That’s hilarious. I just opened a National City Bank account this morning (they have a $200 new customer promotion going on – []). I hate PNC after being a customer for 10 years due to some horrible customer service I recently experienced. I was just in the middle of changing over all my online bill payment entries.

    Damn it.

  5. Deezul_AwT says:

    Hmm, wonder what will happen to my equity line. I suspect it’s going to get sold. Time to switch from online billing to writing checks so the payment doesn’t get “lost.”

    • _catlike_ says:

      @Deezul_AwT: Well, if you’re like me, you’re hoping there’s a chance your equity line will be unfrozen after the acquisition (not to get into detail, but the damned thing shouldn’t have been frozen in the first place).

  6. rainbowsandkittens says:

    What do I do if they service my home mortgage?

  7. h3llc4t, breaker of office dress codes says:

    I hope they don’t take my Points away. Dammnit, I was 2 months away from a free $100 dinner at Ruth Chris. :(

  8. DjDynasty says:

    I have National City currently. They placed a hold on a paycheck depositted on a thursday so that all the bill payments comming out friday would result in NSF fee’s That would result in me being $200 short on my mortgage. I contacted payroll who placed a stop payment on the check, reissued a new one which I signed over directly to chase for my mortgage. I now bank with Chase.

    National City has a trend of charging Overdraft fee’s to accounts that are positive balance. My ledger balance even shows it had a $1000 positive balance when they charged those fee’s. I have been fighting with them for nearly a month to refund those fee’s as they keep charging more and more fees. I’m glad about this except the stock I have in them is now useless!

    • tmlfan81 says:

      @DjDynasty: For the year plus that I have been with National City, they have always re-ordered my transactions [to their favor] based upon the higher amounts getting deducted first. I usually plan for this, but there are times where even National City defies this logic and goes in an entirely route.

      I tried the EECB route and I got no where – well, that is to say I received a formal response but they pretty much told me to “fuck off” in between the lines.

  9. mizmoose says:

    Dammit. I’ve been with National City since they ate Equibank (which in turn had eaten Integra, which was my bank in 1989 or so), when I was living in Pittsburgh. I used to hear nothing but complaints about PNC from friends & coworkers.


  10. Michael Bauser says:

    My parents were talking about switching over to National City. I hope they didn’t, just because I don’t want to have them asking lots of dumb, paranoid questions.

    By the way, Charter One Bank (owned by Citizens, I believe) sent me an e-mail last week telling me not to worry, they’re a highly-rated bank. (And there was copy posted in the lobby of my local bank branch.) Anybody else get anything like that from their bank? I personally, find unsolicited prebuttals less than reassuring.

  11. am84 says:

    I have a checking account in PNC and a savings account in National City (don’t ask, seriously…) and I have always preferred the service and accessibility of PNC over that of National City, so honestly I hope this switch will be only for the better.

    I’m just more worried about my grandma than anything – she has been with National City for YEARS, and we all know how well senior citizens deal with any sort of change! :)

  12. jeffs3rd says:

    I bank (and have previously worked for) Nat City. I also have an account with PNC, so it’s not such a big deal.

    I welcome our PNC overloards.

  13. nybiker says:

    If anyone is still on the fence about banking with pnc, remember this: They bought the name to the Garden State Arts Center and it’s now named after the bank. For those who don’t know, the GSAC is on the Garden State Parkway in New Jersey. Of course, you no longer see the GSAC name, you see pnc ac. So, if you’re against naming rights, stay away from them. Yeah, it’s getting tougher and tougher to do this, but I keep fighting the good fight. Some might say I’m tilting at windmills. So be it.

    • mizmoose says:

      @nybiker: The “new” baseball park in Pittsburgh is PNC Stadium. Even before it was built locals were making cracks about glass-walled bathrooms :-).

  14. Anonymous says:

    I work for National City and there is no need to worry about your accounts. It will be many months before anything happens (possibly 2-3 years before full integration). Anyway, there is no need to worry, your accounts are safe and the transition will be smooth. As far as banks sending you messages saying they are stable this does not mean they are safe. We had the highest tier one ratio (among major banks), which measures the amount of money in excess of deposits and here we are being acquired. I hope points stays around too, we shall see. I’ve also noticed looking around PNCs benefits for employees may not be as good…….

  15. pecan 3.14159265 says:

    Could it be? Did PNC buy something with money they didn’t have?

    Do you think PNC put the purchase on a PNC Visa?


  16. Charity Froggenhall says:

    We have a National City credit card; will that get changed over?

  17. starbreiz says:

    If you don’t want to be with PNC after this merge, I recommend Dollar Bank. Rather, my parents recommend Dollar Bank – I don’t live in Pgh anymore.