I had a similar experience with PNC, and while I’m not saying it’s perfect, I found it helpful to check out real customer feedback before making any decisions. There’s a page that collects honest experiences from people dealing with https://pnc-bank.pissedconsumer.com/customer-service.html It gave me some perspective and saved me from surprises. Sometimes seeing other people’s stories is just what you need to figure out your next step.