PNC Bank held a check until my debits cleared then posted the check first to get ridiculous nsf fees Philadelphia Pennsylvania

It seems by your own admission, where you know you didn't have enough money, you are relying on "floating" transactions and on-line banking. You can not rely on On-Line banking, as it does not know you wrote that check until the bank receives it. It does not know you made a Debit Card purchase until the merchant submits it. So what is the only thing you can rely on...a Check Register. As soon as you make a purchase either from your debit card or a check you need to write it down. If you spend more than you have in your account, then EXPECT overdraft fees. Any bank you go to is going to do the exact same thing.

"I think they are waiting for me to use my debit card so they can do the same thing to me but I am not touching my debit card until that check clears..."
-Everytime I hear this it just makes me wonder if people actually think this, or they just have some alternate reality that keeps them from taking responsibility for THEIR actions. The banks do not have some "back room fortune teller" that tells them to hold a check because they know that a person will use their debit card on a certain day and overdraw their account.

Now, the best thing you said was at the end of your post.
"My suggestion, withdraw cash out of the branch when you go shopping, its inconvenient but it will save you a hassle with these blood suckers..."