Today I went to PNC and spoke with branch manager and told her my situation, I have 4 payday loans: USFastCash, Discount Advances, Thinkcash and Ameriloan. I asked her my options, she said that I can close out my account and if it's fully closed out done in the computer then they can't force open the account (I originally was told over the phone that it can be opened within a 30 day time frame). She was very nice and understanding and closed my account. I just sent the letters to usfastcash and ameriloan.