I had a health savings account (HSA) at National City, when in the fall of 2009, as a result of the "merger" prompted by political favors to Pittsburgh (and a political slap to Cleveland) instead of bailing out National City, PNC was given billions and took over Nat City. The result was the loss of 100s of Cleveland jobs and thousands of pissed off Nat City customers. With my Nat City HSA, there was online customer service 24/7 and online bill pay, both of which are considered minimum banking services for major banks in the United States.
Starting in the fall of 2009 when PNC took over, their HSA (which, ironically is accessed by the absolutely incorrect website of "smart-hsa.com") has no online customer service (customer service may be reached only 9-5 Monday to Friday by calling an 800 # (after an average 30 minutes on hold). The account still has no online bill pay. Electronic transfers of money from my main account take 3-4 days. The account and the bank are a joke. Pony Express would be faster. Yet 18 months later in the spring of 2011, it appears that nothing has or will change with their services.