For everyone wondering about the PNC verification process, here goes: (and this is my personal experience)
1. The PNC website states that Apple only has to perform a simple verification process and then it's ready. That's completely WRONG. You HAVE to call PNC and then identify yourself. Then you have to verify a few transactions, and finally you're ready to go after the rep authorizes your account. NOW, here's more:
2. If for some reason you do anything that requires you to re-register (such as your iphone passcode is deleted for whatever reason, or you have to restore your iphone, or your iphone is replaced under warranty), you have to go through the entire verification process AGAIN. That involves calling the toll free number AGAIN, and verifying stuff AGAIN, before the rep re-authorizes your account.
And note that Apple Pay works well once it's complete. But having to go through the whole process again like that is simply ridiculous. I set up my Capital One via their Wallet app very quickly. All it took was a couple of security questions via my iphone (stuff that only I knew) and it was done. Not sure why PNC has made this so complicated and time-consuming.