-=> Joe Mackey wrote to Kurt Weiske <=-

 JM>   My bank will cover any overdraft I might make for free.  Of course I
 JM> have enough in there to make up any difference, unless I go wild and
 JM> really spend a big sum of money.

My rather cynical post about banks, how they prioritize withdrawals before 
deposits, etc. doesn't apply to my current situation. I bank with a 
reputable local credit union who doesn't have a lot of fees, calls me if 
there's an overdraft or deposit issue, and a human answers the phone on the 
third ring or sooner.

I found them on a great web site called http://www.moveyourmoney.org, a 
great resource for getting your money out of "too big to fail" banks and 
fund banks that are fiscally responsible - and add great service.


 JM>   You would write a cheque (before debit cards were thought of and
 JM> ATM's a big city rarity) and before the ink was dry the money was taken
 JM> out of your account.  Make a deposit and that cheque would sit on
 JM> someone's desk for days before it was posted.

That's gotten worse, with Check21 - they can send electronic versions of 
your check for immediate withdrawals. Deposits still go the old fashioned 
way.

 JM>   That bank was a bunch of thieves.  But living a small town with few
 JM> options, what's a person to do?  Other than not having an account.

There are some good online banks that don't have any local branches. Some 
will even mail checks for you! I was tempted to try one of those out before 
I found my current bank.

    kurt weiske        |  kweiske at realitycheckbbs dot org
    realitycheckBBS    |  http://realitycheckbbs.org


... Find a safe part and use it as an anchor
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