NYJetsFan.com Forums: Credit Unions Poach Clients - NYJetsFan.com Forums

Jump to content

Toggle shoutbox NYJETSFAN BANTER

ROBJETS Icon : (15 April 2015 - 08:36 PM) If someone calls me an idiot or moron or stupid over a football debate it doesn't bother me in the slightest. But when you make things personal like with racist things or family crap its a whole different level
azjetfan Icon : (15 April 2015 - 08:36 PM) I felt my FLiHi remark was as "harmless" as you did calling another person a Moron and stupid because they didn't agree with your opinion
ROBJETS Icon : (15 April 2015 - 08:38 PM) my friends and I call each other morons and stupid an laugh at each other when we do something stupid like when we are drinking. It means nothing. and we laugh about it because its harmless. I'm trying to tell you this is a big difference between what you say to people and what others do.
ROBJETS Icon : (15 April 2015 - 08:40 PM) Heck 115 rags me a lot and it doesnt bother me in the least. i rag him too. Same with GG2003 and SHJ. There is a difference between friendly banter and disagreements and crossing the line
azjetfan Icon : (15 April 2015 - 08:44 PM) So your opinion of the line is right and my opinion is wrong? Is that what your saying? I don't know you. I'm not a drinking buddy of yours. Maybe you should learn some social tact.
ROBJETS Icon : (15 April 2015 - 08:47 PM) you felt it was harmless but you were the only one. Everyone else understood why I got was extremely offended about it the first time because you cross the line with what you say to people. Apparently you realized it enough to send me a long pm apologizing and having communication problems that get you in trouble sometimes. But now you cant understand the difference?
azjetfan Icon : (15 April 2015 - 08:48 PM) I understand why. What I'm saying is if you take a jab people will jab back. Have you heard that saying " dont throw rocks when you live in a glass house?"
ROBJETS Icon : (15 April 2015 - 08:49 PM) The way you understand things if I call you an idiot about not wanting to trade for a high end qb its no different from me disrespecting your family. Thats what Im getting from you. So the way you see things everything is equally personal
azjetfan Icon : (15 April 2015 - 08:50 PM) From complete strangers on an Internet forum? Yes. Man up
azjetfan Icon : (15 April 2015 - 08:51 PM) Nod the debate was if he is a "high end" player. I thought he was well above average but not worth a 6th overall pick
ROBJETS Icon : (15 April 2015 - 08:55 PM) Not worth my time to even acknowledge anymore. Just going to ignore you like I do Mr. Jet. You have a lot of mental growing up to do.
azjetfan Icon : (15 April 2015 - 08:57 PM) That's funny coming from a guy who went butt f*** crazy a couple hours ago
azjetfan Icon : (15 April 2015 - 08:57 PM) Meanwhile you can't seem to respect that others opinions are different than yours
azjetfan Icon : (15 April 2015 - 08:59 PM) You are emotionally weak. You went through some serious shit growing up and you can't adjust. You take it out on your keyboard.
azjetfan Icon : (15 April 2015 - 09:00 PM) When someone challenges your immaturity you have a complete crazy freak out and act like a girl on her first period
azjetfan Icon : (15 April 2015 - 09:00 PM) Hence the "go wipe your pussy and man up comment
Mr_Jet Icon : (15 April 2015 - 10:16 PM) Please Rob, leave my name out of your little bitchfest.
ROBJETS Icon : (15 April 2015 - 11:46 PM) My bad. You have been respecting my request to you I had a while backI made to you by us not commenting to each other to keep peace between us. I was totally in the wrong for bringing your name up at all and into an argument with member that has issues. I got furious furious with a child. I should've just ignored him like I do the other immature kids on some game forums and sites I belong to. Wont happen again. My apologies for bringing your name into it Mr. Jet.
azjetfan Icon : (16 April 2015 - 07:04 AM) Dude.... Get back on your meds.
blk_orion Icon : (16 April 2015 - 07:47 AM) WTF? Really???
blk_orion Icon : (16 April 2015 - 07:48 AM) Now back to our regular scheduled program......
HarlemHxC814 Icon : (16 April 2015 - 08:08 AM) Lol that escalated quickly
azjetfan Icon : (16 April 2015 - 10:24 AM) Rex is chirping again.
azjetfan Icon : (16 April 2015 - 10:26 AM) He said he is going to try and kick the Shit out of the Jets
azjetfan Icon : (16 April 2015 - 10:26 AM) http://sports.yahoo....l8xBHNlYwNzcg--
azjetfan Icon : (16 April 2015 - 10:26 AM) I still like the guy. He's entertaining
Jetsfan115 Icon : (16 April 2015 - 01:25 PM) i miss rex. love his demeanor
Jetsfan115 Icon : (16 April 2015 - 01:26 PM) i'd be happy if he kicks the shit out of miami and NE every year
Jetsfan0099 Icon : (16 April 2015 - 09:56 PM) I
Jetsfan0099 Icon : (16 April 2015 - 09:56 PM) I'm excited for the new coaching staff
Jetsfan0099 Icon : (16 April 2015 - 09:56 PM) Rex wsa fun, but he was too much with the defense instead of the entire football team
Jetsfan0099 Icon : (16 April 2015 - 09:57 PM) also he didn't always hold players accountable. I think Bowles will make the team more disciplined.
santana Icon : (Yesterday, 02:50 AM) I don't have any faith in bowles
azjetfan Icon : (Yesterday, 08:15 AM) “San Diego Chargers will ultimately make a deal with the Tennessee Titans for the number two overall pick. As part of that trade, the Chargers will send the number 17 overall pick and Philip Rivers, just as a start, for the number two pick.”
azjetfan Icon : (Yesterday, 08:15 AM) Damn... Who called it? This guy.
azjetfan Icon : (Yesterday, 08:16 AM) http://national.sunt...s-mariota-trade
MikeGangGree... Icon : (Yesterday, 10:13 AM) So we would now lose out on maroita and rivers
MikeGangGree... Icon : (Yesterday, 10:13 AM) Ain't that super
Jetsfan115 Icon : (Yesterday, 01:39 PM) do we make a trade for AP?
santana Icon : (Yesterday, 02:41 PM) I believe the rivers stuff is all speculation
Jetsfan0099 Icon : (Yesterday, 03:38 PM) So a top ten qb and the 17th pick for the 2nd overall as a start? Makes sense
Jetsfan0099 Icon : (Yesterday, 03:39 PM) So Many smokescreens this time of year
Jetsfan115 Icon : (Yesterday, 04:08 PM) only 2 more weeks before we find out. draft day will be exciting
Jetsfan115 Icon : (Yesterday, 04:09 PM) my money is we'll take a pass rushing OLB
Jetsfan0099 Icon : (Yesterday, 08:08 PM) Yup, unless they trade up.
Resize Shouts Area

Page 1 of 1
  • You cannot start a new topic
  • You cannot reply to this topic

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

  • D Coordinator
  • Icon
  • Group: Members
  • Posts: 3,129
  • Joined: 30-March 05
  • Gender:Male
  • Location:Cheese Land Baby
  • Interests:Football, golf, banking and home improvements

  • NFL Team:

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."
Posted Image
0

#2 User is offline   azjetfan Icon

  • D Coordinator
  • Icon
  • Group: Members
  • Posts: 3,129
  • Joined: 30-March 05
  • Gender:Male
  • Location:Cheese Land Baby
  • Interests:Football, golf, banking and home improvements

  • NFL Team:

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.
Posted Image
0

Page 1 of 1
  • You cannot start a new topic
  • You cannot reply to this topic

1 User(s) are reading this topic
0 members, 1 guests, 0 anonymous users