I am so pleased to see a specific movement taking root, with the goal of removing money from “Banks that are too big to fail” and entrusting it to local banks and credit unions. As you all know, I no longer do business with large banks. I use a local bank that’s been around for a century. I’ve used them for years but I also did business with several of those banks that are “Too big to fail”–until recently.
My local bank gives me personal service, looks out for my accounts and treats me like a human being. Not long ago, I got a call from them because they felt that a check might be suspicious. It wasn’t, but I truly appreciated that they took the time to look out for me.
At my local bank, my checking account is free and bears interest. There are no surprise inexplicable monthly fees. I have a debit card with them that is attached to my checking account and, contrary to the bullroar propaganda being put out by thieves like HSBC and Bank of America, my debit card is free and insured.
My local bank is truly locally owned and they give back to the community. They hire all local employees. When you call my local bank, you get a real person who lives right here in my city. They also have a bottom line to consider, so their overhead rate is much lower than these huge national and international banks. They don’t own huge jets and they aren’t riddled with big shots making huge salaries and bonuses.
My local bank has a better Bankrate Dot Com safety rating than the Big Box banks in my area. I can bank online just like I was able to bank online with other banks that are owned by investors in other countries and run by Wall Street corporate pigs. I not only can bank online, but by mail, using postage-paid bank envelopes. If I deposit a check by mail, they send me out another pre-paid envelope with my deposit slip. That’s because they appreciate my business. They have done everything to make banking with them a pleasant experience, short of personally delivering services to my home.
I don’t get Big Shot arrogant letters from my local bank, addressing me like I am dog crap, discussing “Terms of service” and dropping pages upon pages of fine print upon me, which ultimately means they are up to no good. That’s Bank of America and HSBC stuff. I don’t get that from my local bank. Furthermore, my local bank actually DOES loan out money within their local range. They do it the old-fashioned way, using credit ratings and FICO scores. They haven’t needed to take a dime of public money to remain viable.
Up until recently, I also had a checking account at HSBC, just so I could use their drive-in windows. The branch employees were wonderful but it was clear that they were controlled and hobbled by a very sinister Corporate Office that looked every which way but Tuesday to find ways to charge you fees for merely existing. This bank’s Master Computer was controlled by people who made me think they were doing me a favor by holding my money — and their 800 number led to someone who barely spoke English. HSBC actually charged me fees for NOT writing checks in the past. I once had an inactive checking account with them, and when I closed it, their next monthly statement was a printout of fees that not only zeroed out my balance, but actually made it look as though I OWED them money for having an account with MY money in it. If I hadn’t known a local branch person who erased the record, I not only would have lost my checking account money, but I would have actually had to PAY HSBC.
I have dumped HSBC. In short, HSBC can kiss my ass.
I want you to seriously consider moving savings and checking accounts out of banks that are tied to Wall Street. You know who they are. They are the pigs who took billions of our money after stealing our investments by speculating with our money. They are the banks that have flowed our money overseas. And after they trashed our investments, they took more of our money in bailouts, only to turn around and continually ply themselves with huge bonuses and luxury airplanes.
The goal here is to put things right. You are supposed to be a customer and these banks need to learn to treat you like one. It is time to cut these banks down to size both literally and figuratively.
Join me and dump these thieves — and convince everyone you know to do it as well. This can work if the idea spreads across America. These banks have gone too far and we all know it. They act like we need them when in fact they need us. These banks have nothing but disdain for you. They sneer at you and they have proven they not only do not value our business, but they cannot be trusted.
Make a statement to our government and to Wall Street that if these conglomerates aren’t broken up so that they are no longer “Too Big To Fail,” that you will not do business with them.
This is easy to do, friends. All you need to do is open an account at a local bank or credit union – and then close your other bank account. It’s not a big deal. It doesn’t cost you a thing and you might even get a free toaster for transferring your business.
You can find a local bank or credit union that will treat you like a customer instead of dog crap by visiting Move Your Money, They will give you the names of local banks and credit unions in your local area.
Do it now. Let’s not let these thieving big shots dump on you any longer. Fight back.
Come on. You can do it.