I am writing to share a deeply disappointing experience with PNC's lending department, which is in stark contrast to the positive interactions I've had with the local staff at the Spanish Fort branch.
The local team has always been professional and pleasant, which is why I chose to seek a loan with PNC. However, my application was denied despite a strong credit profile with scores in the high 700s.
The denial was cited as being related to a financial hardship that occurred nine years ago. This event was the direct result of a Stage IV cancer diagnosis. While I have long since recovered both personally and financially, PNC's underwriting process seems to have placed disproportionate weight on this single, decade-old incident rather than my stellar record of financial recovery and current creditworthiness.
I recognize that banks are in the business of risk mitigation. However, this rigid underwriting seems out of touch.
For comparison, I immediately applied at a different financial institution and was instantly approved for a similar product I had requested from PNC. The process was efficient, and the loan terms were superior, specifically offering zero prepayment penalties. This is a significant contrast to PNC's terms, which I was informed could include a 1-3% penalty.
While I have nothing but positive things to say about the local branch staff, I cannot recommend PNC for lending products. The bank's inflexible corporate underwriting policies seem to be failing both their local teams and creditworthy customers.
CC
Curtis
Jul 9, 2025
5.0
Best customer service I have seen in awhile I think every employee in their greeted me. They Held the door for me walking in and also held the door for me as I was walking out. Wish I lived in Daphne I would come to this PNC over any other. I was in and out in 5 mins max. 10/10 customer service
DT
Dr. Rassan Tarabein
Aug 3, 2022
1.0
The process to do anything is beyond cumbersome, feels like an incompetent typical failed government institution than a bank
LV
Leo Vaulin
Oct 15, 2021
1.0
Their merger of BBVA Compass into PNC Bank, and the subsequent consolidation of the branch locations, has created a customer service nightmare. They don't answer their phone - I spent over 20 minutes trying to get through - and their online banking system won't recognize my credentials. I'm giving up on this bank and opening an account with a credit union.
EJ
Eliza Drake Crosby Jordan
Feb 12, 2020
5.0
I love PNC! I have been with them for a long time! They are always helpful and kind. They answer all questions and have great customer service. They do not have fees like other banks.
What are the opening hours of PNC Bank in Spanish Fort?
PNC Bank in Spanish Fort is open Monday to Friday from 9:00 AM to 6:00 PM, and on Saturday from 9:00 AM to 1:00 PM. It is closed on Sundays.
Does PNC Bank in Spanish Fort have a drive-through service?
Yes, the PNC Bank branch in Spanish Fort offers drive-through banking services available Monday through Friday from 9:00 AM to 6:00 PM, and on Saturday from 9:00 AM to 1:00 PM.
Can I schedule an appointment with PNC Bank in Spanish Fort?
Yes, you can schedule an appointment online through PNC Bank's appointment setting service available on their website or mobile app.
What banking services and products does PNC Bank in Spanish Fort offer?
PNC Bank offers a range of products including Checking, Savings, Online Banking, Bill Pay, Credit Cards, Auto Loans, Home Equity, Mortgage, and Investments.
Is PNC Bank in Spanish Fort accessible for people with disabilities?
Yes, the branch has wheelchair accessible entrances and parking, as well as handicapped access throughout the facility.
What additional services does PNC Bank provide at the Spanish Fort location?
Are there other PNC ATMs nearby the Spanish Fort branch?
Yes, there are nearby PNC ATMs in the area which makes accessing your funds convenient even when you are not inside the branch.
What dining options are available near PNC Bank in Spanish Fort?
Nearby dining options include Chick-fil-A, Alley 25 Bar & Grill, Moe’s Southwest Grill, Taco Bell, Wendy’s, and Popeyes Louisiana Kitchen — perfect for grabbing a meal before or after your visit to the bank.
What medical services are located near PNC Bank in Spanish Fort?
Nearby medical services include Coastal Neurological Institute, Restoration Health, Jubilee Primary Care, and multiple dental and orthodontic practices, useful for customers seeking healthcare in the area.
Are there legal or real estate services near PNC Bank in Spanish Fort?
Yes, nearby legal and real estate services include Township Title & Escrow Co., The Law Offices of Brenton C. McWilliams, and Tyler Scott Law, LLC, which are convenient for clients needing legal advice or real estate assistance.