Beware of PNC Bank! I had a HELOC with them for 10 years, and then when I went to refinance it, the loan dept. was a MESS.  3 months went by of run-arounds, then the loan was approved!  Great.  Then - \"Oh you need to pay, and send more paperwork\" - ok - but I was oot on business.  So by the time I got back and asked for the paperwork to be sent for the final signature - poof.  My loan had DISAPPEARED! Now without even the least bit of shame, they are telling me I have to start over!!! I have an Approved Loan!!! And yet - they can't even take the paper work that they (finally) found - but now it's too late (tho nobody told me there was a time limit to sign the final papers). And their Customer Service Manager - \"oh I looked into it - too bad we can't help you..\"  Seriously?????\nBank Somewhere Else!