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santana Icon : (14 July 2014 - 09:40 AM) Plenty to talk about I'm sure
santana Icon : (14 July 2014 - 09:40 AM) You guys just suck at it
Mr_Jet Icon : (14 July 2014 - 02:14 PM) http://fc04.devianta...a8d-d67yh5n.jpg
Mr_Jet Icon : (14 July 2014 - 02:14 PM) Talk about that.
MikeGangGree... Icon : (14 July 2014 - 02:36 PM) THE BEETS!!!
MikeGangGree... Icon : (14 July 2014 - 02:38 PM) Ah eeh ooh, Killer tofu. (Eeyae.)
Oooh eeh ooh, Killer tofu!
santana Icon : (14 July 2014 - 04:14 PM) bravo
Mr_Jet Icon : (14 July 2014 - 07:00 PM) I saw on my Facebook newsfeed that Hey Dude was going to be on 90s Nick tonight.
santana Icon : (14 July 2014 - 07:37 PM) http://www.reddit.co...n_how_about_an/
santana Icon : (14 July 2014 - 07:37 PM) David Nelson back on reddit answering questions
blk_orion Icon : (15 July 2014 - 10:22 AM) thanks for that nelson info, my fam originate from Haiti, have fam here doing tons of missions from NY and FL.
santana Icon : (15 July 2014 - 11:44 AM) yeah he seems like a very honest person
santana Icon : (15 July 2014 - 11:45 AM) if it wasn't for that injury he suffered in buffalo he would be much more recognized
santana Icon : (15 July 2014 - 11:45 AM) top lad solid pro tough as hell
Mr_Jet Icon : (15 July 2014 - 01:58 PM) http://media-cache-a...0fa7d5eef52.jpg
santana Icon : (16 July 2014 - 10:11 AM) TITTIES
MikeGangGree... Icon : (16 July 2014 - 10:37 AM) ^I 2nd that
HarlemHxC814 Icon : (16 July 2014 - 08:54 PM) ***crickets***
RetireChrebet Icon : (17 July 2014 - 03:03 AM) My main concern this season is the quarterback play, he or they need to limit turnovers. Simple as that. Also curious to see what we get out of the secondary. If the two aforementioned play decent football this year it should be a very good season.
Mr_Jet Icon : (17 July 2014 - 01:24 PM) Football has been gone so long it feels like the Super Bowl was over a year ago. And we still have about 6 weeks to go before the season starts.
santana Icon : (17 July 2014 - 04:37 PM) I still remember the super bowl very clearly
santana Icon : (17 July 2014 - 04:37 PM) it was like germany vs brazil
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Jetsfan0099 Icon : (20 July 2014 - 06:06 AM) Training camp starts in 4 days
MikeGangGree... Icon : (20 July 2014 - 07:15 PM) WOOOO
MikeGangGree... Icon : (20 July 2014 - 07:17 PM) Hes a limousine ridin', jet flyin', kiss stealin', wheelin' dealin' son of a gun. WOOOO!!"
ganggreen2003 Icon : (21 July 2014 - 03:13 PM) WHAT THE f*** IS UP BITCHES!!!!!
MikeGangGree... Icon : (21 July 2014 - 07:42 PM) U want to know what's up?.............
MikeGangGree... Icon : (21 July 2014 - 07:43 PM) I will tell you what is up................
MikeGangGree... Icon : (21 July 2014 - 07:43 PM) TEH BEETS
Jetsfan0099 Icon : (22 July 2014 - 06:53 AM) training camp starts in 2 days
MikeGangGree... Icon : (22 July 2014 - 04:38 PM) Just got my tickets to the Jets/Bears game!!
MikeGangGree... Icon : (22 July 2014 - 04:39 PM) Going to the Giants and Texans game also. 2 games in 2 days. WOOOOO
Jetsfan0099 Icon : (Yesterday, 09:36 AM) players are reporting to camp today, tomorrow is the first practice!
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HarlemHxC814 Icon : (Yesterday, 04:42 PM) You know 0099 is back in the shout box when the FIRE IDZIK drops
Jetsfan0099 Icon : (Today, 08:46 AM) lol first practice today
Jetsfan0099 Icon : (Today, 08:47 AM) I've been really busy lately, been working 60+ hours a week. plus there hasn't been much to talk about.
HarlemHxC814 Icon : (Today, 08:58 AM) Yeah this has been the most dead offseason in quite some time
Jetsfan0099 Icon : (Today, 09:59 AM) maybe people will start coming back now that camp is starting up
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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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