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03-02-2008, 10:55 AM
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#1
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Apr 2004
Location: South Texas~29N/98W Just West of Woman Hollering Creek
Posts: 6,674
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Banking Fees
My fellow Americans are being eaten up by monthly banking fees and do not feel the pain. The solution? Increase the fees!
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"Most people tell us they appreciate not being embarrassed in front of a cashier telling them they don't have enough money in their account," said Carol Kaplan, an ABA spokeswoman. "They would rather pay the overdraft fee than go through the embarrassment of not having enough money."
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Banking Fees Are Rising And Often Undisclosed
__________________
Part-Owner of Texas
Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx
In dire need of: faster horses, younger woman, older whiskey, more money.
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03-02-2008, 01:58 PM
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#2
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Moderator
Join Date: Dec 2007
Location: Eastern WV Panhandle
Posts: 25,340
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Call me uncaring, unfeeling, insensitive, but I feel no sympathy whatsoever for anyone who can't be bothered to balance their checkbook. Let 'em pay.
__________________
When I was a kid I wanted to be older. This is not what I expected.
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03-02-2008, 04:23 PM
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#3
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2005
Posts: 10,252
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With so many free-everything checking accounts out there now, I'm all for outrageous fees that are basically a tax against stupidity.
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03-02-2008, 10:05 PM
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#4
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Thinks s/he gets paid by the post
Join Date: Apr 2007
Posts: 1,305
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' you can't fix stupid '
whichever of those redneck comedians uses this line is absolutely correct.
__________________
Life is GREAT!
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03-02-2008, 10:14 PM
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#5
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Dec 2006
Location: Collin County, TX
Posts: 9,296
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I've never paid a dime to my bank. I plan to keep it that way.
__________________
There's no need to complicate, our time is short..
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03-02-2008, 10:36 PM
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#6
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2005
Posts: 17,239
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Quote:
Originally Posted by bbbamI
I've never paid a dime to my bank. I plan to keep it that way.
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Maybe not in 'hard' dollars.... but you are paying them big time... float, fees on CC from merchants... loans ? ....
They make money on almost everybody....
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03-02-2008, 10:37 PM
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#7
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2005
Posts: 17,239
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It is SO easy to get overdraft protection... and if they run through that and STILL spend then they deserve to pay the fees...
Keep em coming... I own a lot of bank stock!!!
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03-03-2008, 06:01 AM
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#8
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Feb 2008
Location: East Nowhere, 43N Latitude, NY
Posts: 9,037
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can you say "credit union"? 
__________________
"All our dreams can come true, if we have the courage to pursue them." - Walt Disney
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03-03-2008, 01:00 PM
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#9
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Full time employment: Posting here.
Join Date: Aug 2006
Location: Columbus
Posts: 769
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I was talking to my neighbor, a retired branch bank manager, and he said his bank's all time money maker for years on end was bad check charges. And he said it was the same people time after time. 
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03-03-2008, 08:39 PM
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#10
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Recycles dryer sheets
Join Date: Aug 2007
Posts: 224
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Quote:
Originally Posted by Walt34
Call me uncaring, unfeeling, insensitive, but I feel no sympathy whatsoever for anyone who can't be bothered to balance their checkbook. Let 'em pay.
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Exactly! If you don't have the money, don't spend it. And if you can't be bothered to account for the money in your account maybe you shouldn't have an account.
Just realized I used the word "account" three times in one sentence and I didn't really feel like fixing it.
__________________
Rather go to bed without dinner than to rise in debt. - Benjamin Franklin
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03-03-2008, 09:29 PM
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#11
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Full time employment: Posting here.
Join Date: Dec 2005
Posts: 567
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I have messed up a couple of times but I just go to the bank and explain what happened and the fix it. Once it was entirely my fault I wrote myself a check on my brokerage account and deposited it in my checking, I forgot to sign the check. But I told my banker how embarrised I was to make a stupid mistake and he fixed it. Then once I had a HELOC got a new one after I refinanced and told them to use it for overdraft protection. I overdrafted and they didn't take it from the HELOC but had canceled the protection from my credit card. I work a block from the bank so saw it online and ran over with money to find out what happened, they fixed it for me.
Most of the time the bank is reasonable with people that are usually good and get HELOC and credit cards and work with them when they have a problem, not expecting the back to loan them money they can't afford to pay back.
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