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MNF - Jets vs Miami
HarlemHxC814 Icon : (26 November 2014 - 11:27 AM) I don't even care what they do for a while
HarlemHxC814 Icon : (26 November 2014 - 11:28 AM) The team is a catastrophe
santana Icon : (26 November 2014 - 11:29 AM) I didn't see the game
santana Icon : (26 November 2014 - 11:29 AM) I remember the first bills game though I'm guessing it was like that with more sleeping in the end zone
HarlemHxC814 Icon : (26 November 2014 - 11:32 AM) I'm with 0099...I hope they keep getting destroyed
Chaos Icon : (26 November 2014 - 11:33 AM) it's a very Jets-esque move to sign McCoy if he does well
HarlemHxC814 Icon : (26 November 2014 - 11:53 AM) I think they sign RGIII, Cutler, or Bradford
santana Icon : (26 November 2014 - 12:10 PM) why not all three
HarlemHxC814 Icon : (26 November 2014 - 12:11 PM) Knowing this team, I wouldn't put that past them
HarlemHxC814 Icon : (26 November 2014 - 02:07 PM) RAUL FOR QB
santana Icon : (26 November 2014 - 02:10 PM) the only real choice
santana Icon : (26 November 2014 - 02:10 PM) almost uefa time
HarlemHxC814 Icon : (26 November 2014 - 02:11 PM) RAUL>SMITHSIAH, JUST ACCEPT IT
HarlemHxC814 Icon : (26 November 2014 - 02:22 PM) FIRE IZDICK
santana Icon : (26 November 2014 - 04:07 PM) Rocking the atletico kit today 4-0 THE RAUL INFLUENCE
HarlemHxC814 Icon : (26 November 2014 - 04:15 PM) Haha you should make that into some kind of logo and put it in your sig
HarlemHxC814 Icon : (26 November 2014 - 04:15 PM) Sig***
HarlemHxC814 Icon : (26 November 2014 - 04:19 PM) TEH RAUL INFLUENCE
santana Icon : (26 November 2014 - 04:29 PM) LUDOGRETS
santana Icon : (26 November 2014 - 04:34 PM) LUDOGORETS
MikeGangGree... Icon : (26 November 2014 - 08:29 PM) TEH IZDIK
MikeGangGree... Icon : (26 November 2014 - 08:29 PM) SUCK
MikeGangGree... Icon : (26 November 2014 - 08:29 PM) FOR
MikeGangGree... Icon : (26 November 2014 - 08:29 PM) THE
MikeGangGree... Icon : (26 November 2014 - 08:29 PM) DUCK
Mr_Jet Icon : (26 November 2014 - 09:32 PM) One of these days one of you are going to type it too fast and say "Suck the Duck".
HarlemHxC814 Icon : (26 November 2014 - 09:41 PM) Hahaha
Jetsfan0099 Icon : (26 November 2014 - 10:45 PM) FIRE IDZIK
HarlemHxC814 Icon : (27 November 2014 - 02:04 AM) TEH POINT
Chaos Icon : (27 November 2014 - 11:14 AM) happy thanksgiving everyone!
ganggreen2003 Icon : (27 November 2014 - 04:53 PM) I hope Dirty Sanchez gets beat by the Cowgirls even though I would prefer to see a tie so neither team wins
Jetsfan0099 Icon : (27 November 2014 - 05:00 PM) Look at what a great system can do for a QB, Sanchez looks like a different QB with the Eagles.
Jetsfan0099 Icon : (27 November 2014 - 05:00 PM) Scanning the field and making quick decisions, I like how Chip has Sanchez throwing on the run which he was always great at.
Jetsfan0099 Icon : (27 November 2014 - 05:01 PM) I really hope we finally bring in a good offensive minded coach.
HarlemHxC814 Icon : (27 November 2014 - 05:45 PM) I really can't wait for this season to be done and over with
MikeGangGree... Icon : (Yesterday, 02:14 PM) SUCK THE DUCK!!!!
MikeGangGree... Icon : (Yesterday, 02:14 PM) WOOOOOOOOOO
MikeGangGree... Icon : (Yesterday, 02:14 PM) Happy Mr_Jet?
azjetfan Icon : (Yesterday, 03:18 PM) Ray Rice has been reinstated!
azjetfan Icon : (Yesterday, 03:19 PM) Sign him!
HarlemHxC814 Icon : (Yesterday, 03:28 PM) Can he pass block?
Jetsfan0099 Icon : (Yesterday, 06:23 PM) FIRE IDZIK
Chaos Icon : (Yesterday, 11:17 PM) could you imagine the media shit storm if the jets sign Ray Rice?
Chaos Icon : (Yesterday, 11:18 PM) ray rice is probably done with the nfl. he had a down year and then he got himself kicked out of the nfl for a year. idk if anyone is going to want to take the risk.
Chaos Icon : (Yesterday, 11:19 PM) maybe wherever Schiano ends up next?
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Credit Unions Poach Clients Misleading title but good info.

Poll: Where do you bank? (5 member(s) have cast votes)

Where do you bank

  1. Large multistate bank (2 votes [40.00%])

    Percentage of vote: 40.00%

  2. Regional or single branch bank (2 votes [40.00%])

    Percentage of vote: 40.00%

  3. Credit union. (1 votes [20.00%])

    Percentage of vote: 20.00%

  4. F the banks its under my bed bitz (0 votes [0.00%])

    Percentage of vote: 0.00%

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#1 User is offline   azjetfan Icon

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Posted 07 November 2011 - 12:34 PM

http://finance.yahoo...od=bb-budgeting


Thousands of people flooded into credit unions and small banks over the weekend as part of "Bank Transfer Day," an effort to prod depositors to abandon giant banks. But at least some of the big banks won't mind losing those customers.

On Saturday, the Boeing Employees' Credit Union in Seattle signed up a one-day record 659 new members. At the grand opening of a Randolph-Brooks Federal Credit Union branch in Pflugerville, Texas, the parking lot was so full that customers had to leave their cars across the street.

Dozens of people opened an account at the Texas credit union as a local disc jockey gave away prizes. "They'll treat me like a good customer," said Charlie Estes, 33 years old, who pulled his life savings out of J.P. Morgan Chase & Co., the largest U.S. bank as measured in assets. J.P. Morgan declined to comment.

It won't be clear for several weeks how many deposits moved to credit unions—the member-owned cooperatives that can't sell stock and don't pay taxes—on Bank Transfer Day. But the sprawling, loosely organized effort got lots of attention, partly because of controversial plans by Bank of America Corp. and other large banks to charge customers for using debit cards. The big banks retreated after widespread public furor.

[More from WSJ.com: Young Men Suffer Worst as Economy Staggers]

Executives at large banks have shown few signs of worry that depositors might walk out the door. One reason: People who gravitate to credit unions tend to be unprofitable for giant banks because of the small balances they keep on deposit, low number of products they buy and the relatively high account-maintenance expenses at big financial firms.

Moebs Services Inc., a research firm in Lake Bluff, Ill., estimates that it costs the giant banks about $350 to $450 per year to maintain a checking account. In contrast, smaller banks incur costs of $175 to $250 a year per checking account.

Banks try to recoup such costs by imposing overdraft fees and other charges. But new rules in the wake of the financial crisis limit some of those surcharges. The recent debit-card-charge mess was a failed attempt to close the gap.

Many banks also have done away with free checking, unless customers maintain a minimum balance and meet other criteria. But with the average checking account containing $5,200, according to research firm Raddon Financial Group in Lombard, Ill., many customers can't avoid the monthly charges.



More than three-fourths of credit unions offer no-strings-attached free checking, compared with 45% of banks, says Greg McBride, an analyst with Bankrate.com. Deposits at banks and credit unions are insured up to $250,000.

[More from WSJ.com: Make the Most of Holiday Work]

Credit unions held just 8% of federally insured deposits as of June 30, compared with 70% for banks that have assets of more than $10 billion.

Credit-union officials say those figures understate their actual reach in terms of customer numbers because most members at credit unions have small balances. Overall, U.S. credit unions have more that 91 million members, or nearly one in three Americans.

David Small, a spokesman for the National Credit Union Administration trade group, said many of the nation's 7,200 credit unions "are in rural areas where there is no other banking option."

Some bankers complain that credit unions have outgrown their status as a lender of last resort to poor and rural communities, and should be forced to pay taxes just like for-profit banks.

"At a time when state and local governments are struggling with lower revenue, why should some of these credit unions be subsidized if they are not going to provide those services?" said David Locke, chief executive of McFarland State Bank in McFarland, Wis. The bank has about $500 million in assets but is having trouble competing with nearby credit unions, he added.

[More from WSJ.com: The Footage the NFL Won't Show You]

Credit unions are lobbying Congress to let them make more business loans. The current limit is 12.5% of assets. Raising the cap would allow credit unions to diversify their loan portfolios and provide more capital to cash-strapped companies, Mr. Small said.

Yet several large commercial credit unions, which invest money on behalf of their retail members, went bust after loading up on high-risk mortgages during the housing bubble.

Some bank customers said they are unhappy—but not enough to give up the conveniences provided by big banks. "I'd love to change," said Michael O'Donnell, a Bank of America customer in Boston. "But the services they offer would be hard to replace."
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#2 User is offline   azjetfan Icon

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Posted 08 November 2011 - 01:46 PM

I can say we did not have a person come into any of our branches to close an account due to this on Saturday. Although we are a Community Bank so we probably were nor as effected as a Wells Fargo or BofA.
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