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I just left WF to open an account with PNC and I like it already. I went with Virtual Wallet with Performance Spend. I noticed there are changes coming in December to the various accounts, but those were disclosed to me upfront and my direct deposit will allow for the account to remain free to me. I admit the main offering that made me choose PNC was being able to track my spending online in a really easy format. I did some research and saw mostly good reviews. So I went for it. I have banked with Citibank, Chase, Bank of America, and Wells Fargo in my lifetime. All relationships started off great and then extra fees, poor customer service, or that feeling of "you should be grateful we're holding your money" led me to leave. Actually, WF was okay. It started as a small business relationship, which was great, but when that ended, using them for regular personal checking/savings was a pain due my nearest branch being out in the suburbs. I needed to go there just often enough to where I decided enough was enough. Anyway, I would like to settle in with PNC as my brick and mortar of choice. (I am also with USAA) So far, I really like them, but wonder how long it will last. Unpredictable, I know, but past experience can indicate future sometimes. So, my questions are primarily for those who have been with PNC for a while or even were with PNC and left. What have you found to change over time? What do you find lacking? What have you found better? Besides the Virtual Wallet accounts, how are their other product offerings such as credit cards and loans? PNC presents themselves as if they are interested in really having a relationship with you and helping you manage money to your benefit. Just curious on the experience of others.