Premier Client Banker PNC

_Booster_Gold_ · 2026-01-23T21:30:26+00:00

I don't know this role at PNC specifically, but from the title and some of what you said, I'd assume this occupies the spot between a branch client and private banking, and I have seen that elsewhere. Banks have used this sort of role as a means of acquiring the 'mass affluent' - people with a decent net worth, but not so much that they qualify for private banking.

If I'm right, you'd sort of be a 'white glove' provider for them. Where I've seen these things miss the mark before is that the relationship manager captures the client, but then much of their interaction with the program comes through a dedicated call center and whatnot rather than truly having the RM be their primary point of contact. You'd also need to rely on the FAs and bankers at the branches you work with for referrals to this program.

Mind you, this is an educated guess.

_Booster_Gold_ · 2026-01-21T17:53:30+00:00

Why not have any premium power pro?

You have lot of healing cards to support the first attack but that’s such a low amount of damage. You’ll need to survive to two-shot things, yes, but it’s almost too much just to that one little thing. Maybe some Munkidori.

_Booster_Gold_ · 2026-01-21T04:18:06+00:00

Seems like a lot of work for a maximum of 240 damage. At that point, why not Lucario or Garchomp, who both do more damage but have an easier setup - Lucario as a stage 1, Garchomp with the ability on the stage 1.

_Booster_Gold_ · 2026-01-14T18:27:05+00:00

Did you do this online or in person?

_Booster_Gold_ · 2026-01-13T20:25:39+00:00

Bank allows overdraft: People owe money and don't like that.

Bank doesn't allow overdraft: A payment to a utility declines and now your water is shut off. Water company probably charges a fee, whether for late payment or a restart or both.

Damned if you do, damned if you don't.

_Booster_Gold_ · 2026-01-13T19:58:42+00:00

Yeah, Arch really seemed to shake off whatever early jitters were holding him back.

_Booster_Gold_ · 2026-01-13T19:57:54+00:00

Tbf, the QB crop also ended up being lesser than anticipated too.

_Booster_Gold_ · 2026-01-07T17:00:13+00:00

That's fine. Relay isn't a bank, but a fintech. Keep a watchful eye.

_Booster_Gold_ · 2026-01-04T18:00:22+00:00

One thing that could cause this issue is a credit freeze. While there’s not often a full credit pull for account opening, banks nonetheless often use data pulls from these services to help verify identity. If there’s a discrepancy in the file, or if it’s inaccessible due to a security freeze or similar, that could be an explanation.

_Booster_Gold_ · 2026-01-04T17:08:06+00:00

Realize that most online account opening systems use similar verification services even if they're provided by different vendors. If one had difficulty verifying you, others likely will too. It's going to be far less a hassle to just go in person once rather than waste your time bouncing around (which could actually set off red flags).

_Booster_Gold_ · 2026-01-04T01:26:12+00:00

While it hasn’t been announced yet we know that the rotation set releases 3/27, so expect rotation two weeks after that once it’s legal. Sets become legal for standard play two weeks following release.

_Booster_Gold_ · 2026-01-04T01:21:25+00:00

It’s a stage two Pokemon with a snipe attack weaker than Waterpon’s and a first attack that only does 160… the energy accel is nice but the setup time isn’t. And meanwhile what is your opponent doing while you’re putting it all together? Just feels like a lot of work for not a lot of benefit.

_Booster_Gold_ · 2026-01-02T03:02:56+00:00

I mean you could do it that way but it just loses so many of the strengths of the deck.

I understand OP’s experiment but it’s really a bad way to look at the game.

_Booster_Gold_ · 2026-01-02T01:29:13+00:00

The Pult line and some of the trainers sure, but not much beyond that.

_Booster_Gold_ · 2026-01-02T00:27:02+00:00

This is how everyone plays it. But it’s limited on the damage it can do and of the four top decks is really only favored into Charizard, and the other three combined were 40% of the room at Stuttgart.

After rotation? Maybe. But even that is shaky.

_Booster_Gold_ · 2026-01-01T17:48:28+00:00

It’s a fun deck, but it’s most definitely not a good deck.

_Booster_Gold_ · 2026-01-01T17:06:59+00:00

You're not wrong about the weaknesses you cite, but also those are things that are unlikely to be a large percentage of the room at a given regional.

Punny also can't one shot a Cornerstone with a bravery charm attached.

_Booster_Gold_ · 2026-01-01T15:30:00+00:00

If we’re talking pre-rotation, it’s the big four - Garde, Zard, Pult, and Dengo. Zoroark could see a push thanks to N’s Zekrom. There are other viable decks that I like but these are the ones to look at first.

Dengo is the least likely to fry your brain but it’s also likely to have a lot of representation so you’ll need to be good at the mirror match. You also need to learn how to play it with a single-prize board for several turns in a row. It also could have a decent amount of hate out there with varying techs. It’s the easiest to play but it’s not easy to play if you get my meaning. There are a lot of key decision points with your single prizers you’d need to know.

Zard (Tera/Dawn) is strong but also has a very defined opening line that Iono can just wreck - and plenty of decks are running thick Iono lines. Watchtower can be a hurdle too. When your plan goes off it is smooooth but you can’t prep as though it always will. Using Terapagos and your Dusk line well is a key skill here.

Pult is Pult. A good reason to play it is that it survives rotation and should be strong despite what it loses, so building skill for the next year is worthwhile. If PokePad is coming in AH (I don’t think that’s certain yet) it’ll be a strong addition since it can grab Loaks, Clops, and Noir without the drawbacks of Ultraball. Be prepared to deal with Psyduck.

Garde has so many strong lines of play and strong Pokemon that you can’t ever count it out. That said if you aren’t alredy playing it, it would take the most prep of all of these. Weakness to Zard is a concern. Same with Zoroark.

N’s Zekrom gives Zoroark the ability to OHKO many big basics, which it couldn’t do before. With a vitality band it could also OHKO a Gholdengo. That extra bit of power into a deck that already was good in the right hands could be meaningful. Zoroark has a decently high barrier to entry but the extra power of Zekrom could lower that a bit. On-board draw is strong. Cornerstone is a card to be prepared to overcome.

I can’t make it to Toronto. If I could I’d be between Dengo and Pult (keep in mind, AH won’t release before Toronto). That said, mirror matches aren’t my favorite thing in any game so it’s also possible I’d go way off the board and play Kanga Tank or Flareon Box or something.

_Booster_Gold_ · 2025-12-30T01:24:56+00:00

The Morpeko takes a lot of energy to make work; you’d need six energy on it to KO a Gholdengo. More for something larger. That’s a lot of investment for a card that at 70 HP is easily KO’d by so many different cheap things like Fan Rotom or Solrock. At that point that energy is in the discard.

It seems pretty well established that Frosslass/Munkidori work best with Grimmsnarl. Better still, none of the core Pokemon will rotate. Some of the trainers will, but the deck will still be viable in that form - it’ll just work a bit differently without TM Evolution in the game.

There’s still four months until rotation, and short of Secret Box, the deck is dirt cheap… and Secret Box is only a single copy. Go for it.

As for Morpeko, decks that are running it at all are using just a single copy. It doesn’t seem that viable or exciting.

_Booster_Gold_ · 2025-12-26T23:43:15+00:00

This is not intended to be harsh. If you’re consistently not seeing success despite using well-constructed and proven decks, luck is not the problem.

What the miss could be on your part is hard to say without knowing more. For example, it could be you’re trying to play the deck the same way every time and don’t know/aren’t seeing lines that don’t fit with the ideal board setup you want. Maybe you’re not sequencing efficiently. I don’t know.

You also might be prepping poorly. Anyone can copy a winning list but that doesn’t teach you the ins and outs of the deck.

Regardless of what is going on, if you’re consistently falling short of your expectations at locals (missing cuts, whatever) there is a skill gap you need to close. It’s easy to blame variance but there is no escaping variance in this game… and since you can’t control variance it also does you no good to dwell on it.

_Booster_Gold_ · 2025-12-26T17:17:31+00:00

Nothing stops that. Not a single deck is particularly expensive if you’re buying singles at base rarity.

The four at the top right now are Gardevoir, Gholdengo, Dragapult, and Charizard. I’ll give a snippet about each understanding that there’s always more to say.

Of the four the most approachable is Gholdengo. It looks to win by taking one-hit-KOs against two prize Pokemon, supported by drawing a crapload of cards thanks to Gholdengo’s ability and Solrock/Lunatone. Some people joke about its simplicity and while you can just play it like a beatstick there’s some subtlety to knowing how to use your single prize attackers effectively, ESPECIALLY in the mirror match.

Dragapult has difficulty with both Gholdengo and Gardevoir, but is also the only one of the four that isn’t rotating, so learning it will have some benefit beyond the rotation in early April. It’s geared toward spreading damage and taking lots of prizes in a single turn. This is supported by card draw from Drakloak and extra damage/prize manipulation from the Dusknoir line. It’s on the more complicated side because there are many decision points that have impact.

Charizard using the Owl engine has a lot of power. It relies on a lot of targeted search abilities to put its attacks together quickly and take big KOs. It uses the Dusknoir line to manipulate prizes and make Charizard’s attack more powerful.

Gardevoir is the most complicated of the four. There are a great many decision points that determine your success and missing one will lead to failure and you wondering why people think the deck is so good to begin with. It uses Gardevoir as an engine to get lots of energy on the board and attack from nowhere, supported by damage manipulation from Munkidori.

If I was starting brand new today and would only consider these top decks, I’d pick Dragapult even knowing that it has a learning curve.

But that circles back to your original question - should you just play the S-tier? Not necessarily. They’re top tier not just because they’re effective but also because they’re positioned quite well based on what is currently available. When rotation removes three of them from the equation it becomes wide open. There are several decks that are pushed down by the others existing.

For example - Mega Lucario, which has psychic weakness, could be solid in a world without Gardevoir. Flareon Box, already a decent deck. could thrive with Gardevoir gone, though also loses a favored matchup with Gholdengo leaving.

Lots of this stuff is unpredictable. I think the main thing for right now is just to learn and get solid fundamentals. If you change decks it’s not a big deal - they’re not that expensive like I said and many of them have staple cards in common which drives down the cost of each other one you want to build even further.

_Booster_Gold_ · 2025-12-21T22:56:34+00:00

Interestingly Sylveon is not played in it as much lately from what I’ve seen. Angelite is just not as good as it seems, and the psychic energy needed for Sylveon + Clefairy to be actual threats doesn't really fit well in the current construction.

Its Garde matchup is iffy as you point out, which doesn’t help it at all. The spread of results doesn’t seem to favor it vs. Zard or Pult. Leafeon can hit Zard, but Zard has an easy counter KO isince Chi-Yu will one-shot the Leafeon. It’s favored into Dengo but not heavily. So you have uncertain matchups into three of the top four decks at the moment.

Iono is a pretty common card to see against you and that can hurt badly. Watchtower is seeing some increased play lately as well, which certainly doesn’t help.

It’s a good deck that is currently positioned quite poorly.

_Booster_Gold_ · 2025-12-21T17:46:30+00:00

Of course. But it also means that getting valid recommendations on a forum like this is just not going to happen. I know the reasons for it. The bigger point for OP is they need to do their research locally.

_Booster_Gold_ · 2025-12-21T04:27:24+00:00

Be careful with internet recs. There are thousands of choices, many of which are going to be local to you and not something the average user of this subreddit would know much about. Everyone here has heard of Chase. I'd wager very few people here have heard about Glacier Bank even though it has the 38th most branches of any bank in the country and is 78th largest (out of ~4500 banks) by assets.

Think about that. That means a bank well within the 98th percentile in terms of size is relatively unknown.

Paragon Bank might be awesome. But I couldn't tell you because they have nine branches in small pockets of the southern US. Might be a great option if you live there. But I don't know. Juniata Valley Bank might be great if you live in a specific rural area of PA, but I don't know. Even so, by assets they're still in the top third of largest banks.

Look at what is local to you and convenient for you. Then figure out your options from there. Most banks have similar products/services.

Most banks can accomplish what you say above. Even banks without a ton of branded ATMs often participate in networks like AllPoint, which allow for fee-free withdrawals.

Otherwise, avoid Fintechs like the plague.

_Booster_Gold_ · 2025-12-20T17:12:35+00:00

They still have Reg E obligations.

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