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PNC pulled that on me all the time. So I closed all my accounts and bank elsewhere. Gave fraud prevention as the sole reason for my exit on forms.

I ended up with a PNC account as a result of a series of bank acquisitions, and they're so badly run it's almost a dark comedy.

Branch staff are all perfectly lovely, but they're at the mercy of very funky systems above them.

Banks are filled with stupid levels of bureaucracy internally, but PNC takes that up to 10. Their IT employees seem like dried husks of something that once was human.

> any transaction out of state

I am assuming card-present transactions? Because I order things from all over, not just locally.

I do appreciate the fraud protection but authorizing my ATM card for non-US withdrawals is overly specific and extremely annoying and time-consuming. Plans change? Expect to spend 15-20 minutes on the phone to say “yes, I will be in Portugal for one extra day”.

My bank did the "out of state" suspicious thing for a while. It was particularly painful since I lived near a state border...