All I wanted to do was pay my husband's bill. He's overseas and I have a POA. PNC said until they had that POA on file they couldn't even speak to me. They also wouldn't accept an emailed or faxed version of the POA. It could only be mailed or faxed from a financial institution of my choosing (joy). I thought having it faxed from USAA would speed things along, but after I called later the same day I was informed that there was a standard 14 day processing period for POA. This is so unnecessary and seems like the only reason they might do this is so people might incur late fees while waiting for the POA to kick in. PNC can suck it, they were so impolite and unhelpful. Fuck them with something hard and sandpapery.