PNC Bank charged me an overdraft fee for a charge that came in on the same day as my direct deposit. There is no explanation for this charge. There is money in the account to cover the charge. On another occasion, I made a point of service purchase for $72 at 5:44PM on a Thursday afternoon using my debit card and pin. The purchase went through just fine. That evening, after 8:00PM, I paid a bill online for $200. My direct deposit kicked in that night, but before it did PNC rearranged my purchases, and charged me $36 for POS purchase at 5:44PM, and another $36 for the $200 online payment, even though my direct deposit came in the same night.

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