PNC

Fitzcablammo

PNC Bank is now offering direct spot Bitcoin trading for eligible PNC Private Bank clients, making it the first major U.S. bank to provide this service, powered by Coinbase's Crypto-as-a-Service (CaaS) infrastructure for secure custody and trading, allowing clients to buy, sell, and hold Bitcoin within their existing PNC digital platform . This is a significant step from previous indirect exposure via ETFs, with plans to expand features and client access in the future, leveraging their strategic partnership with Coinbase announced in July 2025.

Fitzcablammo

PNC Bank just became the first major U.S. bank to offer direct spot Bitcoin trading for eligible private banking clients through its own digital platform, using Coinbase's infrastructure to let wealthy customers buy, sell, and hold Bitcoin seamlessly within their existing accounts, expanding access to digital assets in a familiar banking environment. This launch, built on a partnership with Coinbase, aims to offer controlled, simplified access, with plans to expand to other client segments later.

accountingsavage10

PNC is now buying corn, it’s starting 

Paul_Robert_

A major bank, PNC Bank is now offering BTC services

Joe_Early_MD

Peter Schiff in shambles over PNC 🌽 announcement

noonballoontorangoon

PNC bank

Cap-Puckhaber-2

PNC Bank now offers direct bitcoin trading capabilities for eligible PNC Private Bank clients, becoming the first major U.S. bank to provide such a service directly through its digital banking platform. The service is powered by Coinbase's Crypto-as-a-Service infrastructure.

xShiftfaced

Normalize monogamy and PNC premarket clarity with the wifey or even getting your d***k sucked while trading

AICHEngineer

Ive used PNC, Chase, and SoFi, I like sofi for the convenience and HYSA. Chase is nice to have but checking at chase has no yield. With SoFi you can keep all your money in the hysa and instant transfer some to checking whenever you need, and can auto pay bills out of the hysa.

Extra_Progress_7449

Its a healthy stock if it has mood swings like that.....pay attention to its financials. alternative or comparisons: Regions and PNC

Great_Molasses_4601

PNC isnt as invested with their singular share investment.

U_SHLD_THINK_BOUT_IT

PNC has been reaching out for three years to ask me questions about why I didn't take their car loan offer of 19.7%. They don't seem to want to accept the fact that my wife and I have great credit and make enough money to pay off the car with three months of income, so we instead opted for one of the three offers we had that were under 3%. I guess it's my fault for being broke during the first five years of having an account with them. They can't seem to get over the fact that they can no longer hit me with insufficient fund charges by reordering my the most expensive charges first while constantly messing up my deposits so they came in late.

crazier_ed

Continue working on the waifu pillow, then buy the calls using PNC to determine best strike/exp

ImJoeontheradio

I picked up some PNC, got totally clobbered after solid earnings and a decent outlook.

permadrunkspelunk

PNC

GoodTweetman

How stupid is this market? PNC is down 4.5% despite beating earnings estimates lol

GoodTweetman

PNC beat estimates yet is down 3%

ImJoeontheradio

I decided to play bank earnings, knowing they were going to beat big. So of course I chose PNC, the one that goes down 4% after reporting. FML.

TheBooneyBunes

Oh good god I’ll use this to share my bank hatred story. I started a Roth IRA in 2019. You’d think ‘galaxy brain, in hindsight we know the S&P is up like 350% from then’. Turns out the bank, PNC, FUCKING LIED TO ME and it was essentially a glorified savings account. It only had that .1% interest bullshit. I pulled all my money out after finding out and went with Robinhood’s 5% interest and their credit card and moved my Roth. I hope PNC burns

WestCare2514

Can someone tell me why PNC took a nose dive

2lowkey

PNC dip buy was a good choice

xenoxidal1337

That's not true. He was at a different organisation. PNC was not acquired by Fiserv. Mike joining Fiserv is bullish given the bad rep of the previous CEO of Fiserv.

Jordykins850

I have DE, LEN, HD & KRE puts open right now. If you’re somewhat bearish on *parts* of the economy, these are very good choices. Deere - holder of many souring loans, impacted badly by tariff policy on both ends of supply/demand, impacted poorly by immigration policy as well, a traditional cyclical that now looks materially weaker than rival (CAT) and simply trades at a huge premium for no reason. Lennar - it’s simply the weakest looking home builder in a crashing housing market. It’s impacted poorly by policy. They gave up margin to keep sales flowing. Execs *HAVE NOT* sold shares. Pretty much the only ticker related to housing where execs have not dumped. I think, under the hood, it could be so bad that that’s the reason they have not dumped. Home Depot - trades too high, impacted poorly by admin policy, housing crashing. This one is the biggest softball of bunch for just an immediate and quick 10-15% pullback. KRE - regional banks are extremely fragile and have been pumping for no reason. PNC had to swoop in and pick up a FAILING BANK over the weekend. While Home Depot is the most obvious for what you see on the surface.. regionals is the most obvious if you’ve deep dived how bad those CRE and re-performing loans look 👀 Now we know we’re seeing less workers. Their books look worse and worse every day. If you want financials/bank exposure in your port, there is literally not one reason to own a regional except for the fact you might drive pass the logo on your daily commute. Shit is bad bad 👀 These and other hyper-inflated NON-TECH stonks are the tickers that need to come down the most if we are to avoid some larger, broader collapse in the coming months.

d33p7r0ubl3

Who tf cares what the PNC ceo has to say

SB_Kercules

PNC is good for trading.

Prior-Geologist-5584

My grandma is 103, and the only stock they invested in was GE since they lived in the town where it started and worked for them, Still hold to this day. My grandfather passed at 95 this year. He bought 10k of PNC stock because he was in the Teachers Union in NJ and was told about this new bank, so took a risk- held till he passed. From my experience, it was word of mouth, and they invested in one company and held.

SirRothschild313

PNC

Fit-Anything-210

Ordinary people who save money, but aren’t financially literate. If you’re saving money and not even throwing it into a high yield savings account like PNC that offers a 3.95% interest rate and planning for retirement with at least a ROTH IRA, I don’t know what to tell you.

Proper-Plantain9387

Absolutely not! They are concentrating on just 1 (Cathie Wood) - I am concentrating on the other huge investors and drivers moving into ETH - BlackRock, Fidelity, Bank of America, Schwab, PNC Bank, Grayscale, VanEck, Invesco Galaxy, Hashdex, Franklin Templeton...

Even-Square-6246

Good idea I was thinking between it, PNC or Citi

Mysterious-Novel1469

Hi y’all! My grandmother just died, and left me 10k. I’m in law school and have been taking out tuition (80k/yr) and personal loans (20k/yr) through my school. Grief does weird things to people - my mom is not handling this well. She’s my co-sign on my checking account (PNC) through which I have a debit card. With this windfall, I think it’s time to distance myself from her and start planning for my financial future (she helps me a lot with money but the invisible strings are not worth it) I want to take this 10k and maybe invest it in a mutual fund through vanguard (this was advice from a friend) So, my money-savvy people: do you agree? What do you recommend for my first credit card? Any investment ideas that are safe for a first-timer? My money habits: I am extremely frugal. If I got a card that rewarded my spending habits, it would really just be for rent (covered by my 20k/yearly personal loans) and food (I work a remote legal research job that pays enough for food, necessities, occasional social stuff). My parents pay for my travel to and from my hometown, phone bill, etc. I’m embarrassed to be a young adult with likely a poor credit score since I’ve never built it up. Maybe I should have my student loan dispersed to this new account so I can start working on that. Any advice is appreciated! ❤️‍🩹

AtomSmasher-69

PNC has been shopping for mid size bank franchises. Idk about puts

prodigyya

PNC is like seeing the matrix

TheBooneyBunes

Maybe I should yolo puts into PNC No DD or anything except I fucking hate that bank and hope it gets gaped. Also every time I talked to my PNC banker about leaving they encouraged it

victorjs22r

Nobody anywhere does or would ever use it as a currency?? What are you living under a rock? Ripple is literally partnered with Bank of America, SBI Holdings, Santander Bank, UAE Exchange, Saudi British Bank, American Express, PNC, just to name a FEW partnerships with Banks and Financial Institutions all for the purpose of improving liquidity issues and cross border payments efficiency. Not to mention Ripple’s role in the Federal Reserve’s Faster Payments task force and participating in FedNow trials. They’re literally in the process of obtaining a Federal Reserve Master Account. To say no one actually uses or would ever use XRP, and crypto as a whole, is a complete understatement my brother in Christ.

victorjs22r

Man, where should I begin…. I’ll first start by saying I agree with everyone here and believe you should definitely have a 3-6 month emergency fund set up first, and I’d even add on to that and say that if you have any debt, pay it off and stay away from debt. Now, Xrp… If you don’t know much about it, it’s a digital currency created by a company called Ripple Labs. Although unlike most other cryptocurrencies I’m sure you’ve heard of, XRP was designed with a very specific purpose and goal which is to move money across borders quickly and cheap. ESPECIALLY between banks and financial institutions. The world currently experiences several problems when sending money internationally such as high fees, delayed settlements, through a more complex messaging system (SWIFT). It’s ancient tech. Just scratching the surface here. XRP fixes this, it was created to do so. Banks and institutions could send money and settle transactions internationally within seconds and with minimal fees. We can already see a large network of global financial entities and governments partnering with Ripple. Bank of America, SBI Holdings, Santander Bank, UAE Exchange, Saudi British Bank, American Express, PNC, just to name a FEW of its partners. Shall I mention that Ripple has collaborated with the Federal Reserve as they were selected to join the Fed’s Faster Payments Task Force back in 2017. Ripple is now attempting to secure a Federal Reserve Master Account. I could get into more detail about what all of this means, but I’m at work and trying to move quickly through this lol let me stop and say DYOR, don’t trust me you don’t know who I am, or anyone else here. DYOR. Anyway, my favorite part is when you start to look at the relationship between Ripple Board members and US Gov & Regulatory bodies. Gregg Kidd was a former Senior Analyst at the federal reserve payments department, he is now a Chief Risk Officer for Ripple. Rosie Rios was the 43rd US Treasurer under Obama, now a part of the board of directors for Ripple. Michael Barr, ex former Ripple Advisor who went on to become an Assistant secretary for financial institutions at the us department of the treasury. Lauren Belive, former White House official, now the Head of US Public Policy and Government relations for Ripple. There’s more but you get the idea. The biggest hurdle Ripple is currently facing (which is all bs anyway) is its current lawsuit with the SEC. Which I’ve been following for years and won’t get too much into because I’d be here typing for hours. It’s all smoke and mirrors and bs, Ripple has pretty much already won the lawsuit and they’re now just dotting their “I”s and crossing their Ts. But because of this lawsuit xrp has struggled being adopted on the scale which it was designed to do and is ready to do so. I can only imagine what’ll happen when the lawsuit is over. Gotta wrap this up and get back to work, like I said DYOR. Don’t take my word for it, look into the claims I’ve made. Connect the dots, and it’ll click. Goodluck bb.

Specialist_Item5251

Here’s the thing all of you are saying it’s not worth it. I got accepted to UIUC (Illinois) for their MS Finance program. I went to a small D2 school, double majored in finance and accounting, and haven’t landed a single fucking internship. So my next best idea would be to go back to school, specialize in something, and then down the line if a company wants me to get my MBA I’d do that. I’m a very sharp student and person and I should not have only been able to manage to get a teller job at PNC. I don’t want to pay the absurd amount of money required for it however I think it will definitely get me somewhere. You can say oh just network, oh just do this, well I have and nothing. I’ve interviewed, connected with tons of people, put myself out there to the business people on lunch at the fancy restaurant that I used to work at (networking), and nothing. I’m attempting CFA level 1 and have great experience through school along with the double major. I’m really just pissed that I haven’t been able to land anything. A good program is going to be worth it. I search UIUC’s page for MSF alumni and current students and they have all landed great jobs and internships.

Mobile-Bar7732

Trump doesn't know what he is talking. Some US banks already operate in Canada. > There are 16 U.S. based bank subsidiaries and branches with around C$113 billion in assets currently operating in Canada. > These banks specialize in a range of financial services, including corporate and commercial lending, treasury services, credit card products, investment banking and mortgage financing. They serve not only customers with cross-border business activities, but also Canada’s domestic retail market. U.S. banks now make up half of all foreign bank assets in Canada. > List of U.S. banks operating in Canada >Amex Bank Citibank J.P. Morgan Bank Bank of America, National Association Bank of New York Mellon Capital One, National Association Citibank, National Association Comerica Bank Fifth Third Bank, National Association J.P. Morgan Chase Bank, National Association M&T Bank Northern Trust Company PNC Bank, National Association State Street Bank and Trust Company U.S. Bank National Association Wells Fargo Bank, National Association

dvdmovie1

"Chime is a technology company, not a bank,” the company said in its prospectus, noting it is not a member of the U.S. Federal Deposit Insurance Corporation. Still, the company cited Bank of America, Capital One, Citibank, JPMorgan Chase, PNC Bank and Wells Fargo as competitors." lol

angrydewd

the PNC didn't kick in.

angrydewd

you can ask them a step at a time, i'll reply now, i'm in PNC mode.

ftwin

I keep about 10k in PNC savings acct for true emergencies (cash I may need today). The rest of non invested money is in a vanguard settlement fund which is paying like 4.5% right now. It’s still easily accessible, just not like instant.

salty0waldo

You are 100% correct and pardon my stupidity. I am referring to commercial banking but also the big money centers. Now that you bring it up, also interested in regional banks. Large banks looking at still are C, JPM, GS (yeah not traditional bank) Regionals: PNC, M&T V, MA, and AXP are always interesting.

Far-Voice9907

PNC, CSX Progressive, hooker(lolz) and Amex calls. puts on everything else.

Stateof10

People don't realize how important Chase is to the US economy. There's a reason why they were chosen over PNC to take over First Republic.

Curlymoeonwater

I own a little PNC that I acquired during the COVID crash. I also own JPM, Wells Fargo, Citi and USB. Citi has been throwing off a good dividend which I reinvest in shares; hopefully new management will improve things - for me it's a value stock. I'm most interested USB - one of the largest regionals with business in 26 states and seems to have made good acquisitions in the past. Was doing well last year but I'm now under water. It's on my list of positions to add to for the long run.

helpwithsong2024

Keep the stuff you were gifted, Pepsi and PNC are good dividend stocks. The 40K, make sure you have your 3 months emergency fund, but other than that, pick a window of time (like 6 months) and DCA into the market. I do 80% VOO and 20% VXUS, but if you want a 1 stop shop, just buy VT and hold for 20+ years.

Embarrassed_News6103

I’ve had 90 shares of PNC and 30 shares of Pepsi since I was born, I guess given to me by my grandpa. I’ve never touched any of it. I also have this third account with PNC that says QPNCQ- PNC BANK DEPOSIT SWEEP PROGRAM NOT COVERED BY SIPC and I have no clue what it is, but there’s like 3 grand in it. Wtf should I do with these stocks? Not planning on selling or anything because of the market but are they good ones to have? Do I need to diversify in the future? I also have like $40K in my bank account I’m not doing anything with. Should I buy more stock?

RhythmsOG

PNC Closed my business account after having it open for 10 days. I didnt even use it yet. I think bad things are coming.

This_Possible_3942

Imagine the trades you could make with PNC

SkierBuck

Bernie Sanders On whether he would support USMCA Q: Will you support the trade agreement among the US, Canada, and Mexico, recently passed by the House? Sanders: I voted against NAFTA, voted against PNC with China, agreements that cost four million decent-paying jobs. I don’t agree this is going to be a great job creator. This is a modest improvement that would allow Mexican workers to negotiate decent contracts. But it is not going to stop outsourcing. It is not going to stop corporations from moving to Mexico. We need a trade policy that stands up for workers, stands up for farmers, and, by the way, the word “climate change” is not discussed, which is an outrage. I will not be voting for this agreement.

Indiusa

PNC

StockSmarts24

PNC bank is one of the ones who offer over 4% a year just to have it in a savings account.

salty0waldo

Banks getting hit again, well at least a few I follow like C and PNC. C down 10% over 5 days

JeffB1517

Well I guess you need to be more particular. Lots of banks are very financially sound. They don't really need FDIC and moreover it wouldn't matter much. For example I'd be comfortable with a HYSA at Amex, EverBank, Barclays, E*Trade, PNC... Funds like Pimco's MINT out to say Vanguard VCSH while not offering 100% security are pretty close. These diversify you, though a general banking collapse would still be bad for Mint and VCSH might be too volatile. That being said, if you want to avoid banks and treasuries and want 100% security of principal, setting up a high cash value permanent life insurance policy works. These held up wonderfully during the depression when we lost 1/2 the banking system because insurance companies invest much more conservatively then banks. That's not going to secure you on a dollar collapse however since you are denominated in dollars. For that you'll need something like a short term foreign bond fund. You want that hedged since the whole point I'm assuming is maintaining currency value. So something like DFA 5 year fixed. But ultimately if you are worried about financial stability the funds have to be held outside USA financial institutions.

CLE_retired

My friend at work told me to buy LULU march 2009. I bought PNC. Oh well.

BayAreaThrowawayq

Weirdly there are US banks in Canada tho. Both CapitalOne and Amex have huge operations in Canada. Along with JP Morgan, PNC and Citi

fonistoastes

I have had my 29.9% visa cc since I turned 18 via National City (now PNC) and do not intend to change it. Never is an issue, and the pure cash-back is nice. That being said if I was doing a new one now as a newbie to cards, I’d do Fidelity’s visa with no fee and 19% (?) apr with 2% to an investment account of your choosing (roth, ira, hsa, etc.).

Emotional-Seaweed219

These guys are asking for 1/2 million dollars. I have never heard of them. I have worked at Vanguard, Fidelity Investments, PNC PFPC in my computer career. Can I trust them??? And how do I validate that???

wkc201

GME cooking. PNC and RCL have been solid for me too. Also think TOL will pump into earnings but I’m not sure they’ll beat this time. Just wanna share something other than the usual.

Own-Wolverine-5361

PNC Bank commercial is making fun of us bro [https://youtu.be/hrvN7hza4T0?si=RwUT-NmauaCEF\_Bj](https://youtu.be/hrvN7hza4T0?si=RwUT-NmauaCEF_Bj) 

Skowak13

Imagine the shit we'd get done if the whole of Congress had PNC

FunHunt782

I just Interfaced alphavantage API into two seperate AI. I saw some guru selling his system on YouTube, and he let out two examples which allowed me to formulate a query with these parameters to see if he was full of it or not. Turns out he was bang on. PNC and Twillio had the same price movements on the same dates year after year. Then I asked to see the same patterns in stocks in general and got thousands returned. Then I narrowed it down to 30 and wanted your opinions. I'm not telling anyone to do anything. I personally think if I can predict a stock performance based on this level of consistency over the last 7 years it's worth giving a try and using AI to interface with historical databasrs the research took minutes not even an hour. Í was astonished to see how many patterns were actually out there. I can't speak to the statistical validity and reliability of this research but I don't need a good Chi² to tell me there is something to this.

CrimsonBrit

I’ve been watching Squawk Box in CNBC all morning and I find it so strange that they haven’t mentioned big US banks and financial institutions once, given that a bunch of them report earnings before open this morning: Bank of America ($BAC), Citigroup ($C), Goldman Sachs ($GS), Charles Schwab ($SCHW), and PNC ($PNC) to start.

dreamwagon

PNC imo

RilSG

Yes, Opex = higher volatility. Markets have run up a lot. But no incentive to sell ahead of a possible Trump presidency. My 10 baggers are based on dip (3%-5%) and rip (5%+): UNH, PNC, ASML, WDFC, GS

dotint

I got Wells Fargo to waive the SOFR by offering to bring over more of my portfolio and making it 50% LTV. Just call they’re always willing to be competitive. PNC it was a new customer special waiving SOFR but it required me to keep my portfolio there a minimum of 36 months.

Key-Tie2542

A quick note since I looked into this recently, Schwab gives at least slightly better rates than WFC or PNC: [https://www.schwab.com/pledged-asset-line/rates](https://www.schwab.com/pledged-asset-line/rates)

dotint

I currently have them with Wells and PNC. I previously had one with Fidelity & JPMorgan but new account specials keep me switching every loan.

dotint

I have one with Wells Fargo for $1.9m, you get 75% LTV. Interest rates are currently 2.95%. https://www.wellsfargoadvisors.com/why-wells-fargo/products-services/lending/securities-based.htm I have another one with PNC at $1.2m they do 80% LTV and their rates are 3.05%. https://www.pnc.com/insights/wealth-management/being-prepared-/access-liquidity-without-disrupting-your-investments.html You just deposit the stocks with call their wealth management team and they’ll get you squared away. Funding is usually 72 hours.

greytoc

Are you asking about a debit card for a brokerage account? It's not about the card - it's about the way that the financial systems are segregated to reduce systematic financial risks. So systems like ACH is a banking facility and accessible only to depositories. A brokerage account is at a broker which is not a depository. The way that bank-like products work at a brokerage is that the broker has to partner with a bank to provide those services. And funds get swept between the brokerage and bank account. In your example - Robinhood's spending account card is issued by Sutton Bank. And Fidelity's CMA cards are issued by PNC Bank or Leader Bank.

xShiftfaced

Just remember.. PNC before trade

Zealousideal-Ad-2546

Dips on cycles make money. Just did it with bkrb daeigo PNC xlf to name a few

greytoc

Yes. That's a different Wells Fargo company from the bank. Wells Fargo is what is known as BHC or bank holding company. It's a financial institution that owns many other financial institutions which are structured and organized as separate entities. Those entities may be a bank or affiliated non-banks. It's a bit more complicated - but it's a legal separation to protect consumers from issues that may arise in a single entity. It's why companies like JPMorgan, Citi, Wells Fargo, PNC, etc. do not use the word "bank" in their company name. It's actually illegal in the US to use the word "bank" unless the actual entity is a bank. It's also why you sometimes will see a company refer to themselves using the word "banc" - to indicated that the entity is not a bank. At Wells Fargo - investing is done at Wells Fargo Clearing Services - or WFCS which is a non-bank affiliate. Wells Fargo uses the more well-known brand name Wells Fargo Advisors and WellsTrade. There is also a distinction between financial entities that offer investment advice and brokers. Anyways - the point of my message is that when you are starting out - you probably want to keep it simple and go with what you already know. If you already have a Wells Fargo bank account and you like their services - sticking with them can be helpful - especially if you need customer support. I'm actually not a fan of tech companies like CashApp for a variety of reasons. Alternatively - you can go with the popular and large retail brokers that cater investors like Fidelity and Schwab. These brokers also have retail branches if you ever need to meet with someone for help with your account.

UntitledTrader

BOJ was nose deep in dirty manga, think they’re having the worst case of PNC rn…

UntitledTrader

BOJ was nose deep in dirty manga, think they’re having the worst case of PNC rn…

Notbatman0526

Son of a biscuit. Thank you 😂. I am simultaneously trying to get my pain in the ass bank PNC to transfer funds and they are such C suckers that they have limitations on what I can do and who they will connect with. So I have been flipping back-and-forth between Charles Schwab, Coinbase, PNC, and Robinhood with ETF and EFT on the brain and my focus is starting to slip.

consumervigilante

SWVXX is paying 5.22% currently. It's the Schwab money market fund. Other than that, if you insist on a brick & mortar, I think PNC may be paying over 4% for a high yield savings account.

bigsilverhotdog

PNC

Dismal_While579

**IBKR DAYUUUUUUUUUUUUUM please go upsieeeeeeeeees, don´t evaporate my PNC GAINSSSSSSSSSSSSSSSS**

GordoPepe

Calls on PNC then

venom_holic_

can you also mention the interest rate? someone said PNC which is at 4.65% and i checked sofi it says 4.60% APY

NotDrewBrees

Depends on what you’re going to do with the money. Keep it there and leave it alone? Or use it to schedule larger payments like insurance premiums and taxes? I have been with PNC for 2 years now, and their rate has remained at a consistent 4.65% APR. It isn’t the highest rate in the market, but their interface is good enough for my needs, and I’ve never had issues with recurring transfers, ACH timing or anything else. A lot of smaller banks will sneakily offer you a promo rate of ~5%+, but then switch your account to a differently named account that no longer earns the high yield. Other online-only banks have very bad interfaces and poor payment scheduling, so if you plan on accessing your funds often, you’ll want to steer clear.

CyrusDrake

I'm looking at other banks like PNC because they're local and offer 4.65% interest on an HYSA. Sucks because I'm so rooted in Chase and I like their app but this is beyond regarded.

trutheality

SoFi used to reimburse ATM fees but they no longer do that for new customers. Now they just participate in an ATM network. Capital One actually does have brick-and-mortar locations mostly on the East Coast, and they are also part of a large ATM network. I'm starting to appreciate how good I have it with PNC which also reimburses ATM fees seeing that other banks don't offer this very basic feature that should be standard at every major bank.

Accurate-Barracuda20

PNC has Zelle in app and once a month refunds you any ATM fees you’ve been charged

Skppr9

And PNC

yeetwagon

PNC. Instant transfers to a 4.5% apy high yield savings and $10 in atm reimbursements a month

Bitwise_Gamgee

PNC Bank runs this commercial about ["Boring = GAINZzz"](https://www.youtube.com/watch?v=juvLSkoci_8). The funny thing is they're correct. I'm all for gambling away your life savings, but please ya'll put a few k into some index funds and forget about it!

Esti88

LMAO just checked my checking account and it’s negative -2k because those regards at PNC won’t deposit my check because “not all payees didn’t endorse check” wtf you want me to do fly out my lawyer so he can sign 

yeetwagon

Really like my PNC which has a separate growth account attached to my checking. 6 free transfers a month and 4.5% APY. Pretty competitive even for a bigger bank

borkborkborkborkbo

We are at PNC and have to have money in a CD to get those kinds of rates.

sabotnoh

Context is missing. The 63 banks in trouble aren't holding half a trillion in unrealized losses. Based on their "troubled banks'" COMBINED assets of $83B (compared to a single top-tier bank, which holds >$250B), these are almost universally smaller community banks. The fear-mongering aspect of this report takes two relatively unrelated data points and puts them in the same sentence to make it sound like we're on the brink of erasing $500B of value from the market. What they're really saying here is that banks have extended a ton of loans to homebuyers. When the interest rates went up again last quarter, it makes buying a house less attractive, so (generally speaking), the market price falls a bit. Makes sense: a $300K house at 5% seems like a better buy than a $300K house at 7%, so people buying homes might want to only pay $285K for that same house now. That's why unrealized losses spiked in 2022, when we started to raise interest rates to combat inflation. Since the estimated "market value" for the homes dropped in response to higher interest rates, and since the banks hold the title for the home, it counts as an unrealized loss. "We (PNC Bank), extended a $400K loan to Jack Smith to buy this home, valued at $425K. Now, with higher interest rates, we'd be lucky to sell that house for $350K if we had to. So we're sitting on a -$75K liability (350 minus 425)." (I'm not a banker, so they might count is as a $50K liability based on their investment). That times thousands of homes is the net unrealized loss. It won't affect the banks operations as long as Jack keeps paying his mortgage. Let's say a bunch of people get laid off suddently and can't afford their homes, and the bank seizes ownership of thousands of homes.... Now if the banks try to sell all these homes in a flooded market, prices will plummet, banks lose a ton of money. Then the banks (who were libertarian, anti-government and capitalist while things were good), will suddenly turn socialist and beg the government to bail them out because "our bank failing will decimate the economy so you HAVE to help us!" Privatize the gains, socialize the losses.

NArcadia11

I use PNC which is a large bank with brick and mortar locations and they have a HYSA that’s getting me 4.55%. I recommend looking into that, OP

Legitimate-Act-7643

Again, so you think he's legitimate because he mentions delta? LOL. how pathetic. What about him lying about his Goldman Sachs experience? What about him being fired at PNC? What about him picking \~10+ stocks that dropped 90%+ during a bull market? What about him recommending TSLA at $230 and shorting NVDA at $470?

Legitimate-Act-7643

Does Kevin lie about his work experience and say that he learned trading from Goldman bankers when Henry did a low-level internship with no access to trades, didn't receive an offer, and was fired from PNC as well. Kevin might make bad calls, but there's a difference between being a fool (Kevin) and being a lying fraud (Henry).

fomoandyoloandnogrow

You naughty stock ticker degens just don’t like PNC

fomoandyoloandnogrow

I’m surprise PNC isn’t trending with that lineup up there

Fantastic_Tiger_9000

Puts on PNC Bank. Moving my shit to Wealthfront for that sweet 5% apr.

Low_Student_2223

I am also 20 and have around 16k saved. I hadn’t started anything until this year where I poured a lot of my money into blue chip stocks such as Apple, Microsoft, Nvidia, Google, and then as time went on I’ve diversified some more. I’m in Dutch bros, Celsius, Costco, as well as ETF’s like VOO and SPY. I deposit around 1k monthly into my stocks and try to spread it out evenly. I’ve don’t pretty decent so far, but I haven’t sold anything. I’m only down on a few stocks like AMD and Adobe. I do like to risk some money and ride waves but usually doesn’t work out in my favor, but I only invest a little amount to I don’t cry myself to sleep. I am no expert and am not claiming to be one by any means. It wasn’t until a few months ago where I opens up my high yield savings with PNC. I get 4.65 APY and have 4K in there and deposit around 1k monthly. I would do probably like 60 / 40 of what you want to invest in into stocks and HYS, respectively, if you’re okay with some risk. (I am). If not, then 50/50 or whatever you think is best.