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MikeGangGree... Icon : (Yesterday, 07:22 PM) How many starters are back from last year?
ROBJETS Icon : (Yesterday, 07:23 PM) They had to let defensive players go too. And that's why they refused to pay Chancellor. They don't have the money
MikeGangGree... Icon : (Yesterday, 07:24 PM) Most of the Defense is back from last season.. who besides the 2nd CB do they not have?
ROBJETS Icon : (Yesterday, 07:24 PM) I don't know how many starters. I didn't look through the whole active roster from last year to this year. But I know they let a good many starters go too
MikeGangGree... Icon : (Yesterday, 07:25 PM) Anyway we need them to win
MikeGangGree... Icon : (Yesterday, 07:26 PM) it puts us in a 4 way tie for the WC
MikeGangGree... Icon : (Yesterday, 07:26 PM) Maybe Hou can win the division
ROBJETS Icon : (Yesterday, 07:26 PM) They had to let a corner and safety go from the defense and some dline from the starting line up. And some players on the online too
ROBJETS Icon : (Yesterday, 07:27 PM) That's why Russel isn't getting protection and Lynch is having a down year
ROBJETS Icon : (Yesterday, 07:28 PM) Yeah but you need to chr
ROBJETS Icon : (Yesterday, 07:29 PM) check my list of tiebreakers we are down in division and conference games. If the Jets don't beat the Bills and win most of the conference games no playoffs
ROBJETS Icon : (Yesterday, 07:31 PM) Plus we are down in schedule strength to everyone in the hunt for the playoffs except Houston but they have the win and tiebreaker against the Jets
ROBJETS Icon : (Yesterday, 07:32 PM) Oh and also the Bills are below us in schedule strength but have a win against us so have tiebreaker for now
ROBJETS Icon : (Yesterday, 07:33 PM) Chiefs have the easy schedule in the league got the rest of the season so chances of them not getting in are slim
ROBJETS Icon : (Yesterday, 07:35 PM) Chiefs and Stelers are in the drivers seat
MikeGangGree... Icon : (Yesterday, 07:36 PM) Right but there is a lot of games to go still
MikeGangGree... Icon : (Yesterday, 07:36 PM) who knows maybe we beat Tenn NYG Dal and Buf
MikeGangGree... Icon : (Yesterday, 07:36 PM) 10-6?? Maybe
MikeGangGree... Icon : (Yesterday, 07:36 PM) 1 game at a time I agree
MikeGangGree... Icon : (Yesterday, 07:36 PM) KC and Oakland have to play each other twice
MikeGangGree... Icon : (Yesterday, 07:38 PM) Pitt Still has to play Cinn and Denver
MikeGangGree... Icon : (Yesterday, 07:39 PM) Who they may beat.
MikeGangGree... Icon : (Yesterday, 07:41 PM) We just need Sea to win
MikeGangGree... Icon : (Yesterday, 07:41 PM) Game over
MikeGangGree... Icon : (Yesterday, 07:41 PM) Hawks win
MikeGangGree... Icon : (Yesterday, 07:42 PM) Well if they make the PAT
MikeGangGree... Icon : (Yesterday, 07:42 PM) My bad I thought Pitt had 0 timeouts left
ROBJETS Icon : (Yesterday, 07:46 PM) I don't trust Denver against any good team with their backup qb in. I except the Chiefs to overtake the division. They really don't trust him either since an injured Manning is the #2 qb. He barely won last week
MikeGangGree... Icon : (Yesterday, 07:47 PM) Ben is hurt now
MikeGangGree... Icon : (Yesterday, 07:47 PM) Don't think its anything big tho
ROBJETS Icon : (Yesterday, 07:48 PM) But Steelers losing today and if they lose against the Bengals would help
MikeGangGree... Icon : (Yesterday, 07:55 PM) Ben has a possible concussion
MikeGangGree... Icon : (Yesterday, 08:08 PM) And Pitt plays Indy next week
MikeGangGree... Icon : (Yesterday, 08:09 PM) If Pittsburgh lose it help if indy lose Houston might be in 1st and have a tie breaker over indy
MikeGangGree... Icon : (Yesterday, 08:16 PM) I just can't wait for Sunday. Me and my brother are going to the game. He's a giants fan. So somebody is going home mad
MikeGangGree... Icon : (Yesterday, 10:46 PM) Where is frosty??.and his MIGHTY DOLPHINS
MikeGangGree... Icon : (Yesterday, 10:58 PM) Marshall is 70 yards away from being our 1st 1000 yard receiver since cotch in 07
MikeGangGree... Icon : (Today, 12:03 AM) f*** new England!! And gronk is hurt
ROBJETS Icon : (Today, 12:04 AM) Nice to see the Pats won't have an undefeated season. That said the wheat her made the difference. Brady is accurate as heck and the snow affected the pass timing with the wr's
ROBJETS Icon : (Today, 12:06 AM) Without the snow I couldn't see the Broncos winning that game. But again great to see the Pats chance at a perfect season go down the tubes
Jetsfan0099 Icon : (Today, 02:21 PM) Brandon Marshall is the best WR I've seen on the Jets
Jetsfan0099 Icon : (Today, 02:23 PM) How bad is Marcus Williams injury?
Jetsfan0099 Icon : (Today, 02:23 PM) I like how this guy has 5 INTs in limited playing time, he reminds me of Asante Samuel
Mr_Jet Icon : (Today, 04:14 PM) After both losses to the Jets this year Miami fired some coaches. LOL
azjetfan Icon : (Today, 05:05 PM) Jets = Coach killers
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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%

Vote Guests cannot vote

#1 User is offline   azjetfan Icon

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Posted 07 November 2011 - 12:34 PM


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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