Interesting, PNC has never once done anything like this to me. In fact I feel that they are pretty up front about telling you what you have available and what your actual balance is.
They were supposed to stop doing it 10 or so years ago. No clue if that's true. Haven't been the zero person for a while.
It’s generally not something you’d notice if you’re not living on the edge of $0 balance. I’d be surprised if any banks are still doing it after the bofa settlement.