Rather it's the app or the accounting procedures at PNC my balance is never correct!! I can pay a bill and see it on the app but the next day go back in and it's not showing. Not in the pending area EITHER. Which falsely claims I have more money than I actually have. Very shady practices indeed! Deposits are also held longer than any financial institution normally holds. I have watched this app closely every practice used is to get the customer to overdraft!