View Poll Results: Bank transfer to non profit ... are you supporting/participating?

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  • Yes

    6 18.18%
  • No

    11 33.33%
  • other

    2 6.06%
  • I am already there ...

    14 42.42%
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Thread: Bank Transfer Day

  1. #41
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    Simon W. Moon's Avatar
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    Re: Bank Transfer Day

    Quote Originally Posted by Reg View Post
    Yeah, and nary a clue that government did something to create that fee.
    LOL
    The banks were already charging you fees. the govt just said that the banks had to tell us about the fee and fee structures. The upshot was that some banks decided to do this.
    Not all banks do it.
    This is the free market in action.



    My bank is already awesome. I have no need to change banks.
    I may be wrong.

  2. #42
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    Simon W. Moon's Avatar
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    Re: Bank Transfer Day

    Quote Originally Posted by Harry Guerrilla View Post
    Would you rather them take another bail out, because they continued to offer "free" checking, when they could no longer afford it?
    Yet some banks still manage to afford it.

    I suspect that it's not a binary option and that there may be a middle that's excluded here
    I may be wrong.

  3. #43
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    Re: Bank Transfer Day

    Quote Originally Posted by Harry Guerrilla View Post
    The banks aren't innocent by any means, but then again, neither are a lot of "the people."

    How many people got a HELOC, drew out all the cash and then walked away, letting the house go into foreclosure?
    How many people decided to make strategic defaults and walked away from their homes?
    How many people engaged in the borrower side of stated income mortgages and bought too much house for their real income level?

    Answer: A lot.

    It's easy to toss crap at the banks.
    Not so easy to see regular janes and joes acting in an equally reckless manner.
    Watching the free marketeers fume and tremble at the possibility that the banks might reap what they've earned is deliciously ironic
    Quote Originally Posted by matchlight View Post
    Justice Thomas' opinions consistently contain precise, detailed constitutional analyses.
    Quote Originally Posted by jaeger19 View Post
    the vast majority of folks that need healthcare are on Medicare.. both rich and poor..

  4. #44
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    Re: Bank Transfer Day

    Quote Originally Posted by Temporal View Post
    There are many reasons why someone would be with a big bank and not know to avoid it. Maybe it just doesn't occur to them. Who cares? People are noticing now and that's what matters most. Better late than never, right?
    True, but it's really late for them. My main account is with a decent size local credit union and its rates are bad. Not as bad as Bank of America, but enough so that when I moved large chunks of money into my ING, I earned more in a three months then I did with my credit union in a year on the same amount of money. It really doesn't matter what your politics are when the return on holding money in a big bank is just appalling low.

    I honestly don't see a reason why anyone that doesn't have a large actively managed brokerage account would stay with a big bank. If you're in an area with a big bank, you have other options. And odds are they are better for you.
    "If your opponent is of choleric temperament, seek to irritate him." - Sun Tzu

  5. #45
    John Schnatter 2012 Phantom's Avatar
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    Re: Bank Transfer Day

    I've been with an independent local bank since I was 17 years old so I'm already 2 steps ahead..
    Vote John Schnatter (Papa John) 2012!

  6. #46
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    Harry Guerrilla's Avatar
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    Re: Bank Transfer Day

    Quote Originally Posted by sangha View Post
    Watching the free marketeers fume and tremble at the possibility that the banks might reap what they've earned is deliciously ironic
    What on earth are you talking about?
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

  7. #47
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    Re: Bank Transfer Day

    Quote Originally Posted by Simon W. Moon View Post
    Yet some banks still manage to afford it.

    I suspect that it's not a binary option and that there may be a middle that's excluded here
    A lot of the smaller banks offer extra benefits, to gain the customers.
    A couple of locals offer $5 a month, but you get an accidental death insurance policy, with the service.

    Depends on scale and the number of offices too.
    It's a trade off.

    Although where I used to live, it was the local banks with a hand full of sometimes inconvenient branches or online banks.
    I chose the latter and have been satisfied in large part.

    My level of satisfaction will increase many times over, when they finally finish bug testing remote deposit and release it for my phone.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

  8. #48
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    Re: Bank Transfer Day

    Quote Originally Posted by obvious Child View Post
    True, but it's really late for them. My main account is with a decent size local credit union and its rates are bad. Not as bad as Bank of America, but enough so that when I moved large chunks of money into my ING, I earned more in a three months then I did with my credit union in a year on the same amount of money. It really doesn't matter what your politics are when the return on holding money in a big bank is just appalling low.

    I honestly don't see a reason why anyone that doesn't have a large actively managed brokerage account would stay with a big bank. If you're in an area with a big bank, you have other options. And odds are they are better for you.
    I'm kinda irked that Capital One bought ING, the ING logo will disappear in the future, but hopefully the level of service will largely stay the same.
    The sale was part of the conditions of the European bailout of the Euro ING, which is bull crap in my opinion.

    If Capital One screws things up, I've been eyeing Fidelity with cash management + an Amex savings account.
    Last edited by Harry Guerrilla; 10-20-11 at 05:53 AM.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

  9. #49
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    Re: Bank Transfer Day

    Quote Originally Posted by Reg View Post
    Just like an Obamabot. Crash systems for the promise of utopias that can never be.
    I believe your right on this one, basically don't through the baby out with the bath water.

  10. #50
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    Re: Bank Transfer Day

    Quote Originally Posted by obvious Child View Post
    True, but it's really late for them. My main account is with a decent size local credit union and its rates are bad. Not as bad as Bank of America, but enough so that when I moved large chunks of money into my ING, I earned more in a three months then I did with my credit union in a year on the same amount of money. It really doesn't matter what your politics are when the return on holding money in a big bank is just appalling low.

    I honestly don't see a reason why anyone that doesn't have a large actively managed brokerage account would stay with a big bank. If you're in an area with a big bank, you have other options. And odds are they are better for you.
    I do business with a credit union since I dumped BOA...I have super credit..my score is just about as high as it can get...I pay zero fees and I have their visa at 8% fixed rate...with BOA they raised my visa to 13.9 ...stay tuned though the big banks are going to make a huge push to attack credit unions...they will be throwing pac money around like candy

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