# National City to PNC
**URL:** https://forums.speedlife.net/t/national-city-to-pnc/204293
**Category:** PittSpeed Off Topic
**Created:** [December 6, 2009, 9:00am UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293 "2009-12-06T09:00:37Z")
**Posts on this page:** 20
**Page:** 1
### Author:  [@Jeff95TA](https://forums.speedlife.net/u/Jeff95TA)
#### Post date: [December 6, 2009, 9:00am UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/1 "2009-12-06T09:00:37Z")
Anyone else go through the switch? Seems like they weren’t quite prepared. My wife tried to make a mortgage principal payment and saw that it didn’t say “principal payment” on the recipet, questioned it, they tried a few more times, and the PNC rep said the system “would know”. Not only did it not know, but you aren’t even able to make mortgage principal payments at the bank anymore. So she tried online, and the button didn’t exist. Then the calls started. The rep on the phone couldn’t grasp the concept. She kept trying to explain over and over how you have to pay the interest that is accrued before the principal. Apparently making your regular mortgage payment a few weeks early is inconceivable. And they can’t change it over to a principal payment. Bounced around to like 4 other people. It was like talking to a retarded person (no offense to the mentally challenged). Before we hung up I made the person say “yes” to my statement that I am currently unable to do my banking that I need to.
And now my wife found errors (or at least discrepancies) on two other transactions.
:madfawk: PNC
I’d check your numbers if you were with National City.
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### Author:  [@Bravada\_442](https://forums.speedlife.net/u/Bravada_442)
#### Post date: [December 6, 2009, 9:42am UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/2 "2009-12-06T09:42:54Z")
I had a kid that works for me lose $1000 out of his savings account when they transferred over his account.
I didn’t believe him until his mom (:rofl) faxed over his bank statements so that
I could help him go through them to see maybe if there was some sort of discrepancy. Nope. They just lost $1000 of his money.
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### Author:  [@fah\_quad](https://forums.speedlife.net/u/fah_quad)
#### Post date: [December 6, 2009, 9:55am UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/3 "2009-12-06T09:55:40Z")
The switch to First Niagara was just as bad. After that hassle, we switched to PNC on our own and it’s been a smart move.
PNC just has so many advantages, like the virtual wallet thing.
I’d bet the problems aren’t PNC’s end; they’re on National City’s, since the same things where happening with the National City to First Niagara switch, too.
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### Author:  [@Blackbelt](https://forums.speedlife.net/u/Blackbelt)
#### Post date: [December 6, 2009, 12:01pm UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/4 "2009-12-06T12:01:16Z")
For a ton of reasons i have never liked PNC. I had my main checking account at Nat city. When they switched, i closed that account and opened one at Northwest.
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### Author:  [@Jeff95TA](https://forums.speedlife.net/u/Jeff95TA)
#### Post date: [December 6, 2009, 12:37pm UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/5 "2009-12-06T12:37:55Z")
I would leave but I have a great rate on my home equity line of credit that I hate to lose.
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### Author:  [@Silver\_WS6](https://forums.speedlife.net/u/Silver_WS6)
#### Post date: [December 6, 2009, 12:56pm UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/6 "2009-12-06T12:56:12Z")
I never had a problem with PNC Even in baltimore they opened a PNC branch.
But ive heard horror stories about first niagra. I think your screwed no matter what.
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### Author:  [@BlkP42E](https://forums.speedlife.net/u/BlkP42E)
#### Post date: [December 6, 2009, 1:18pm UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/7 "2009-12-06T13:18:05Z")
only problem that i had was they had my address wrong for my account
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### Author:  [@Blackbelt](https://forums.speedlife.net/u/Blackbelt)
#### Post date: [December 6, 2009, 2:36pm UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/8 "2009-12-06T14:36:40Z")
> [@Innovative Tuning should be open Monday](https://forums.speedlife.net/t/innovative-tuning-should-be-open-monday/41292/35):
>
> I would leave but I have a great rate on my home equity line of credit that I hate to lose.
Most home equity LOC’s are variable rate. What is yours?
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### Author:  [@foz](https://forums.speedlife.net/u/foz)
#### Post date: [December 6, 2009, 2:49pm UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/9 "2009-12-06T14:49:10Z")
Went through the auto switch from Nat City to PNC, after hearing the headaches from others going to 1st Niagra I watched ours like a hawk. Haven’t found any problems, or even a penny missing/added. But I also don’t hold any loans through either… I was most worried about my online banking, and minus a few days out of service and adjusting to their system it was easy.
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### Author:  [@vw16vcabby](https://forums.speedlife.net/u/vw16vcabby)
#### Post date: [December 6, 2009, 5:22pm UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/10 "2009-12-06T17:22:07Z")
glad i was pnc to start. no problems, and now i have more places to hit up the mac machine!
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### Author:  [@Jeff95TA](https://forums.speedlife.net/u/Jeff95TA)
#### Post date: [December 6, 2009, 5:33pm UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/11 "2009-12-06T17:33:45Z")
> [@What's the deal with Vanek this year](https://forums.speedlife.net/t/whats-the-deal-with-vanek-this-year/41672/29):
>
> Most home equity LOC’s are variable rate. What is yours?
Yes, it’s a variable rate. It’s been at 3% for pretty long. Used it to buy the Acadia - works out good so you can take the incentives instead of the financing. And I’m far enough into it that even if rates would jump quickly, it was still worth it. The lock-in rate is something like a few percent higher.
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### Author:  [@GarlicBreath](https://forums.speedlife.net/u/GarlicBreath)
#### Post date: [December 6, 2009, 6:58pm UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/12 "2009-12-06T18:58:10Z")
I had a checking account at one Nat City branch and a savings at another Nat city bank. One was going to Niagara the other to PNC. I closed both and went to Dollar.
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### Author:  [@cleanquick306](https://forums.speedlife.net/u/cleanquick306)
#### Post date: [December 6, 2009, 7:08pm UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/13 "2009-12-06T19:08:16Z")
> [@How do you guys feel about Saab's?](https://forums.speedlife.net/t/how-do-you-guys-feel-about-saabs/41723/15):
>
> glad i was pnc to start. no problems, and now i have more places to hit up the mac machine!
same here…
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### Author:  [@gillbot](https://forums.speedlife.net/u/gillbot)
#### Post date: [December 7, 2009, 4:35am UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/14 "2009-12-07T04:35:17Z")
So far no issues with our switch and my wife watches our accounts like a hawk.
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### Author:  [@ZEX350Z](https://forums.speedlife.net/u/ZEX350Z)
#### Post date: [December 7, 2009, 6:00am UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/15 "2009-12-07T06:00:34Z")
Those fuckers. I went from National City to First Niagara. I never received checks, letters, or bank card. I was out of the country when I found out my stuff wouldn’t work anymore.
I switched to PNC.
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### Author:  [@1st\_v-dub](https://forums.speedlife.net/u/1st_v-dub)
#### Post date: [December 7, 2009, 6:05am UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/16 "2009-12-07T06:05:30Z")
> [@clinton or obama](https://forums.speedlife.net/t/clinton-or-obama/41675/45):
>
> Went through the auto switch from Nat City to PNC, after hearing the headaches from others going to 1st Niagra I watched ours like a hawk. Haven’t found any problems, or even a penny missing/added. But I also don’t hold any loans through either… I was most worried about my online banking, and minus a few days out of service and adjusting to their system it was easy.
this was our experience as well. everything has just seemed to work. We don’t have any loans through them though, just checking, savings, and a credit card.
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### Author:  [@77rednecktruck](https://forums.speedlife.net/u/77rednecktruck)
#### Post date: [December 7, 2009, 6:36am UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/17 "2009-12-07T06:36:14Z")
I dumped PNC a few years ago and got into a credit union, best move I ever made.
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### Author:  [@sinim](https://forums.speedlife.net/u/sinim)
#### Post date: [December 7, 2009, 8:54am UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/18 "2009-12-07T08:54:34Z")
> [@place to get something sewed?](https://forums.speedlife.net/t/place-to-get-something-sewed/41737/10):
>
> For a ton of reasons i have never liked PNC. I had my main checking account at Nat city. When they switched, i closed that account and opened one at Northwest.
Northwest FTW!
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### Author:  [@fah\_quad](https://forums.speedlife.net/u/fah_quad)
#### Post date: [December 7, 2009, 9:42am UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/19 "2009-12-07T09:42:45Z")
> [@Turbo hatchs are fast!!!!](https://forums.speedlife.net/t/turbo-hatchs-are-fast/41691/37):
>
> I dumped PNC a few years ago and got into a credit union, best move I ever made.
I went the other way for my own personal account and I think that was the best move I’ve ever made, lol. We all have our reasons…
For me, the ATM access and the online banking options make it perfect, not to mention that my mortgage, previously National City, is now PNC anyhow.
I love the personal attention of credit unions. It’d be great if everything I did was local and I actually wanted to write a check here and there. But as it stands, I’m all over the place and I have nothing that needs a check written for now. So, I don’t need personal attention. I deal with machines, lol.
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### Author:  [@Blackbelt](https://forums.speedlife.net/u/Blackbelt)
#### Post date: [December 7, 2009, 10:55am UTC](https://forums.speedlife.net/t/national-city-to-pnc/204293/20 "2009-12-07T10:55:14Z")
> [@ugh soo hott](https://forums.speedlife.net/t/ugh-soo-hott/41609/41):
>
> Yes, it’s a variable rate. It’s been at 3% for pretty long. Used it to buy the Acadia - works out good so you can take the incentives instead of the financing. And I’m far enough into it that even if rates would jump quickly, it was still worth it. The lock-in rate is something like a few percent higher.
That’s a smokin rate. I would keep it too. I used a HEL to buy my last vehicle, but it was a fixed rate at 5.2.
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