Comments on: I don’t like the banks… http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/ The ramblings of a zombocalypse ready, hoplophile Canuck. Tue, 14 Oct 2008 07:47:41 +0000 http://wordpress.org/?v=2.5 By: Mugwug http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68872 Mugwug Sat, 05 Apr 2008 12:09:32 +0000 http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68872 <b>James:</b> Zombie Strippers! Outstanding, as luck would have it I saw a trailer for this when I picked up a copy of "<a href="http://imdb.com/title/tt0892899/" rel="nofollow">Outpost</a>" and made a mental note to hunt down a copy. I always appreciate a heads-up though! Thanks for the tip! James: Zombie Strippers!

Outstanding, as luck would have it I saw a trailer for this when I picked up a copy of “Outpost” and made a mental note to hunt down a copy.

I always appreciate a heads-up though! Thanks for the tip!

]]> By: James R. Rummel http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68848 James R. Rummel Sat, 05 Apr 2008 01:30:47 +0000 http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68848 Way off topic.... Did you know that there is a new movie coming out that is about zombie strippers? http://thelastofthefew.blogspot.com/2008/04/official-trailer-for-zombie.html Way off topic….

Did you know that there is a new movie coming out that is about zombie strippers?

http://thelastofthefew.blogspot.com/2008/04/official-trailer-for-zombie.html

]]> By: Steve Ronin http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68730 Steve Ronin Tue, 01 Apr 2008 20:36:29 +0000 http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68730 Here in the States, it is about the same: mega-banks treat you like crap; but the local credit union calls you by name. There are only a couple of Mega-banks that I will NEVER deal with again, due to their outrageous fees and outright theft. I won't call them by name, but they were formerly known as NationsBank and First Union. I also tend to spread my business amongst several banks: no reason to keep ALL the eggs in one basket. 3 credit unions and 1 standard bank: bonus with the credit unions is they generally have better loan rates for cars. Here in the States, it is about the same: mega-banks treat you like crap; but the local credit union calls you by name.
There are only a couple of Mega-banks that I will NEVER deal with again, due to their outrageous fees and outright theft. I won’t call them by name, but they were formerly known as NationsBank and First Union.

I also tend to spread my business amongst several banks: no reason to keep ALL the eggs in one basket. 3 credit unions and 1 standard bank: bonus with the credit unions is they generally have better loan rates for cars.

]]> By: DirtCrashr http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68728 DirtCrashr Tue, 01 Apr 2008 20:21:44 +0000 http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68728 I have a no-interest account (joint account now) at a regular bank which we use to write checks and just do stupid-stuff - the real money is in my wife's University Credit Union account (now a joint account) in chunks of various Certificate of Deposit size that earn boodles of money at high rates. For everything else - and really everything including groceries - we use a credit card that earns airline miles and pay it in full every month retaining no balance. Our tickets to Hawaii were free this year. I have a no-interest account (joint account now) at a regular bank which we use to write checks and just do stupid-stuff - the real money is in my wife’s University Credit Union account (now a joint account) in chunks of various Certificate of Deposit size that earn boodles of money at high rates. For everything else - and really everything including groceries - we use a credit card that earns airline miles and pay it in full every month retaining no balance. Our tickets to Hawaii were free this year.

]]> By: marc http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68688 marc Mon, 31 Mar 2008 17:28:04 +0000 http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68688 Mega banks are nothing but hassles. You remember the time when your bank card got frozen...well the same thing happened to me three times, and they refused to tell me where it happened. When I spoke to their representative at the fraud division, all he said that the manager decided that it would be best that they cancel my card. My response was " you don't have the common sense to notify me." The drone on the other side said that they will make a note of this. Big banks call the shots and we poor saps have to go along with what ever they feel is best. Mega banks are nothing but hassles. You remember the time when your bank card got frozen…well the same thing happened to me three times, and they refused to tell me where it happened.

When I spoke to their representative at the fraud division, all he said that the manager decided that it would be best that they cancel my card. My response was ” you don’t have the common sense to notify me.” The drone on the other side said that they will make a note of this.

Big banks call the shots and we poor saps have to go along with what ever they feel is best.

]]> By: Mike http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68687 Mike Mon, 31 Mar 2008 15:30:30 +0000 http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68687 Work has a major bank as a tenant so we get special rates. I compared these discounts and such to Eesti Credit Union, and showed a couple co-workers. To this day a couple think I'm bullshitting them and there's no way an institution like that exists. I hinted at weird initiation rites and The Illuminati, which didn't help. Tyler has to keep reminding me he gets hit with a service fee every time he uses Interac. I can go weeks without paper money in my wallet. Work has a major bank as a tenant so we get special rates. I compared these discounts and such to Eesti Credit Union, and showed a couple co-workers. To this day a couple think I’m bullshitting them and there’s no way an institution like that exists. I hinted at weird initiation rites and The Illuminati, which didn’t help.

Tyler has to keep reminding me he gets hit with a service fee every time he uses Interac. I can go weeks without paper money in my wallet.

]]> By: Greg http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68671 Greg Sun, 30 Mar 2008 19:38:46 +0000 http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68671 Man, the big bank must have been SUPER surly for the Estonian Credit Union to qualify as "more helpful"(Unless the ECU hires "untermenchen" to work in customer service, while the rich Estonian fat cats sit in the back). As a people we're famous for lots of things, friendly and helpful service isn't one of them. Ask anybody who has occupied Estonia. We don't go in for Palestine style car bombs or Iraqi-style "Suits made by DuPont", we just drive them out with a sneer when they order a hot coffee and are served a cup of slightly below room temperature water that once flowed over a bean. Banks are called banks because "Con artists" was already taken. Man, the big bank must have been SUPER surly for the Estonian Credit Union to qualify as “more helpful”(Unless the ECU hires “untermenchen” to work in customer service, while the rich Estonian fat cats sit in the back). As a people we’re famous for lots of things, friendly and helpful service isn’t one of them. Ask anybody who has occupied Estonia. We don’t go in for Palestine style car bombs or Iraqi-style “Suits made by DuPont”, we just drive them out with a sneer when they order a hot coffee and are served a cup of slightly below room temperature water that once flowed over a bean.

Banks are called banks because “Con artists” was already taken.

]]> By: Mugwug http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68667 Mugwug Sun, 30 Mar 2008 15:50:40 +0000 http://www.moral-flexibility.net/blog/archives/2008/03/30/i-dont-like-the-banks/#comment-68667 <b>Dad:</b> No worries on the geriatric moment, I had originally penned a quick response but we had a breakfast engagement to rush off to with Mom and Chris. Yes, it was about two years ago and I guess I can't complain about that bank, they drove me to the credit union and it was the biggest service they ever did me (and it didn't cost me anything, kinda shocked there isn't a "driven to the competition fee" somewhere in the agreement). As for skimmers, while it's true that sticking to the home banks ABMs reduces the risk somewhat there are an awful lot of skimmers attached to the big banks ABMs for precisely that reason. Each has a few tricks against skimmers, but the best advice is to shield your PIN regardless what device you're using. A membrane keypad can be used in conjunction with a skimmer to trap your PIN, but it's fairly uncommon and anyone with a degree of technical experience would recognize the machines keypad had been tampered with. <b>Theodore:</b>I don't nearly get the dividend cheque you guys get, must be the mortgage (although our plan is still to give Eesti first kick at the renewal now that the financial side of our lives is sorted). I've been into the bank in person a few times, but over the phone have gotten on well with the two people I consistently deal with (fixing my bank card, sorting out my accounts, setting up Jillys account and seeing if I can open an account for Lisa "long-distance"). We still have to make a Saturday trip into Toronto some morning to open her an account there. She deals with both RBC and TDCT and it irks me no end. -GRIN- <b>KD:</b> I LOVE my credit union. It sounds like I'm starting a commercial, but the truth is that I don't get the same "What now?" feeling from the CU staff that I always got from the bank staff, like my meagre request was keeping them from "important" customers. I think it's the small business feel more than anything else, not impersonal account 14676781. Although, I've looked at local credit unions and while they are competitive with the big banks they don't quite offer what Eesti offers me (which was cause for me to appreciate my bank all the more truth be told). <b>Piet:</b> I'm glad they sorted out that scam, what was the verdict? Did you get any closure on the origins of the scam, or did they just change some numbers and refund you the money? Ayup... I can see the mortgage being a big stick. I wanted to go with Eesti for the mortgage when we got ours, but as my credit wasn't sterling it made more sense to go with a broker who could shop around without running a dozen inquiries on my already bruised credit. The renewal we should have our choice of lender, and the CU offers some good stuff for first time mortgage customers. Yippee! -GRIN- Dad: No worries on the geriatric moment, I had originally penned a quick response but we had a breakfast engagement to rush off to with Mom and Chris.

Yes, it was about two years ago and I guess I can’t complain about that bank, they drove me to the credit union and it was the biggest service they ever did me (and it didn’t cost me anything, kinda shocked there isn’t a “driven to the competition fee” somewhere in the agreement).

As for skimmers, while it’s true that sticking to the home banks ABMs reduces the risk somewhat there are an awful lot of skimmers attached to the big banks ABMs for precisely that reason. Each has a few tricks against skimmers, but the best advice is to shield your PIN regardless what device you’re using.

A membrane keypad can be used in conjunction with a skimmer to trap your PIN, but it’s fairly uncommon and anyone with a degree of technical experience would recognize the machines keypad had been tampered with.

Theodore:I don’t nearly get the dividend cheque you guys get, must be the mortgage (although our plan is still to give Eesti first kick at the renewal now that the financial side of our lives is sorted).

I’ve been into the bank in person a few times, but over the phone have gotten on well with the two people I consistently deal with (fixing my bank card, sorting out my accounts, setting up Jillys account and seeing if I can open an account for Lisa “long-distance”).

We still have to make a Saturday trip into Toronto some morning to open her an account there. She deals with both RBC and TDCT and it irks me no end.

-GRIN-

KD: I LOVE my credit union. It sounds like I’m starting a commercial, but the truth is that I don’t get the same “What now?” feeling from the CU staff that I always got from the bank staff, like my meagre request was keeping them from “important” customers.

I think it’s the small business feel more than anything else, not impersonal account 14676781.

Although, I’ve looked at local credit unions and while they are competitive with the big banks they don’t quite offer what Eesti offers me (which was cause for me to appreciate my bank all the more truth be told).

Piet: I’m glad they sorted out that scam, what was the verdict? Did you get any closure on the origins of the scam, or did they just change some numbers and refund you the money?

Ayup… I can see the mortgage being a big stick. I wanted to go with Eesti for the mortgage when we got ours, but as my credit wasn’t sterling it made more sense to go with a broker who could shop around without running a dozen inquiries on my already bruised credit.

The renewal we should have our choice of lender, and the CU offers some good stuff for first time mortgage customers.

Yippee!

-GRIN-

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