Socialist Democrat Scum Protect YOU From Overdraft Fees!! OMGZORZ

Yurt, you realize you're asking what terrorism means to the one guy on this board who is on record as saying he's more than willing to turn guns on Americans to exact political change if he doesn't like the way this administration does things ala healthcare, gun rights, taxation, etc, etc. His signature picture alludes to the fact that he sees people he disagrees with politically as domestic enemies that he has some right to kill. You get how retarded that is, right?
 
ib1yysguy said:
Yurt, you realize you're asking what terrorism means to the one guy on this board who is on record as saying he's more than willing to turn guns on Americans to exact political change if he doesn't like the way this administration does things ala healthcare, gun rights, taxation, etc, etc. His signature picture alludes to the fact that he sees people he disagrees with politically as domestic enemies that he has some right to kill. You get how retarded that is, right?
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i haven't seen those posts and it seems to me you are mischaracterizing his words
 
Yurt said:
i haven't seen those posts and it seems to me you are mischaracterizing his words
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It's common knowledge by now.

But don't ask me. Ask STY. He'll tell you he's a patriot for wanting to kill federal agents that come to serve him papers or whatever.

His threats are numerous and not in question.
 
ib1yysguy said:
It's common knowledge by now.

But don't ask me. Ask STY. He'll tell you he's a patriot for wanting to kill federal agents that come to serve him papers or whatever.

His threats are numerous and not in question.
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His rights are numerous and not in question, except by Torries such as you.
 
ib1yysguy said:
Yurt, you realize you're asking what terrorism means to the one guy on this board who is on record as saying he's more than willing to turn guns on Americans to exact political change if he doesn't like the way this administration does things ala healthcare, gun rights, taxation, etc, etc. His signature picture alludes to the fact that he sees people he disagrees with politically as domestic enemies that he has some right to kill. You get how retarded that is, right?
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you are completely fucking retarded. you KNOW my position is about not having unconstitutional laws enforced upon me and NOT about political change. I could care less if a CONSTITUTIONAL law is enacted.

stop being the total douchebag that makes watermark look sane.
 
Mott the Hoople said:
Not only that but the banks charge those fees retroactively. Last year I changed my banks from one I had been using for years due to this procedure. I deposited a check in my account. I then wrote several checks to pay bills that day. When I recieved my statement I had several over draft fees. When I called up to find out why I was told it was because I had issued those checks before the check I had deposited had been cleared and therefore I had over drafted my account. I said "That's BS and I expect you to refund those over draft fees." They told me they wouldn't. I said I had been a customer since 1990 and if they didn't refund me I would close my account. The refused to refund me so I fired them and closed my account.

I think this is great form of consumer protection.
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I agree, and find the sympathy and pity being expressed for the thieves in the banking sector astounding. Some depositors aren't smart enough to check their balances on a regular basis. Does that give the banks the right to rip them off? We all know people who can't balance their checking accounts once a month, let alone have a clue what their balance is day-to-day. Does that give the banks the right to rip them off? Years ago, the bank I had been using for years went through several mergers, and at one point, after i had moved from VA to MD, I opened an account with the same bank in MD that i had used in VA, and deposited a cashiers check from the VA branch of the same bank bank to start the account (the banking rules at that time allowed them, to be separate companies, which is why I had to open a new account in a multi-state bank in which I was already a depositor). I was told it would take five business days for the funds to be available, because it was an out of state check. A cashiers check. Drawn on the same bank from a neighboring state. I said, "Never mind. Just give me back the check. I'm changing banks. There's no way in hell it takes five days for that check to clear. I could drive to the VA branch that issued the check, cash it, and be back with the cash in under two hours, and I know damn well that if i left the check with you, the funds would be transferred electronically before I even got to my car. I got your five days right here."

The bank I changed to was eventually bought out by Bank of America, who shortly thereafter announced that all savings accounts with balances under $500 would be charged a $10 "monthly maintenance fee". At the time, it was paying 6% annual interest on savings accounts, so that fee represented a net loss to the account balance of $7.50 in the first month of the rule, $7.54 the following month, and so on, until the balance was zero. The new rule didn't affect me, since I had well in excess of $10,000 in the account (soon to begin its inexorable diversion into the coffers of Skidmore College), but the blatant attempt to steal the savings of the small depositors pissed me off, so i took a late lunch one day, and went to the bank when it was most crowded to raise hell and cause a scene. When the customer service teller asked me how she could "help me today," I told her i wanted to close my accounts, and when she asked why, I told her in a loud voice that I had a strict rule against being robbed without the robber producing a gun. Heads turned, and she asked me to lower my voice, so as not to bother the other customers while we "addressed my issues". No such luck, sweetheart. I asked her how much a savings account of $499 would be worth after 5 years and 5 months, and when she didn't answer right away, I said, "Nothing. At your current interest rates, it would be gone to your maintenance fee. I could stuff the same amount under a mattress, and at the end of the same period of time, I would still have $499. I would have lost some buying power to inflation, but my principal would at least be intact. I refuse to do business with a bank whose policy is to steal from its depositors, and I want my money. All of it. Now." More heads turning, and the branch manager makes his appearance, telling me that I will get all my savings account money, but that I would have to leave funds in my checking account to cover any outstanding checks. I told him there were no checks out. When he launched into his bank policy rap, I cut him short, quietly told him i would stay until i got every penny, and the more time they wasted, the louder i was going to get, the more concerned the other customers were going to get, the more tough questions they would have to answer, and the more business they were going to lose because of this blatantly dishonest policy, and don't even think about having me removed from the premises or deduct the next month's service fee from my checking account. I got my money, and from the conversations i overheard on the way out, I wasn't the only one who decided he no longer wanted to do business with the Bank of
America.

Jefferson's view of the legitimate powers of government boiled down to only two: protecting its citizens from physical and financial harm, or as he put it in a letter discussing separation of church and state, "For my neighbor to believe there are twenty gods or no god neither picks my pocket nor breaks my leg." These bullshit banking fees definitely count as picking the public's pockets.
 
zoombwaz said:
I agree, and find the sympathy and pity being expressed for the thieves in the banking sector astounding. Some depositors aren't smart enough to check their balances on a regular basis. Does that give the banks the right to rip them off? We all know people who can't balance their checking accounts once a month, let alone have a clue what their balance is day-to-day. Does that give the banks the right to rip them off? Years ago, the bank I had been using for years went through several mergers, and at one point, after i had moved from VA to MD, I opened an account with the same bank in MD that i had used in VA, and deposited a cashiers check from the VA branch of the same bank bank to start the account (the banking rules at that time allowed them, to be separate companies, which is why I had to open a new account in a multi-state bank in which I was already a depositor). I was told it would take five business days for the funds to be available, because it was an out of state check. A cashiers check. Drawn on the same bank from a neighboring state. I said, "Never mind. Just give me back the check. I'm changing banks. There's no way in hell it takes five days for that check to clear. I could drive to the VA branch that issued the check, cash it, and be back with the cash in under two hours, and I know damn well that if i left the check with you, the funds would be transferred electronically before I even got to my car. I got your five days right here."

The bank I changed to was eventually bought out by Bank of America, who shortly thereafter announced that all savings accounts with balances under $500 would be charged a $10 "monthly maintenance fee". At the time, it was paying 6% annual interest on savings accounts, so that fee represented a net loss to the account balance of $7.50 in the first month of the rule, $7.54 the following month, and so on, until the balance was zero. The new rule didn't affect me, since I had well in excess of $10,000 in the account (soon to begin its inexorable diversion into the coffers of Skidmore College), but the blatant attempt to steal the savings of the small depositors pissed me off, so i took a late lunch one day, and went to the bank when it was most crowded to raise hell and cause a scene. When the customer service teller asked me how she could "help me today," I told her i wanted to close my accounts, and when she asked why, I told her in a loud voice that I had a strict rule against being robbed without the robber producing a gun. Heads turned, and she asked me to lower my voice, so as not to bother the other customers while we "addressed my issues". No such luck, sweetheart. I asked her how much a savings account of $499 would be worth after 5 years and 5 months, and when she didn't answer right away, I said, "Nothing. At your current interest rates, it would be gone to your maintenance fee. I could stuff the same amount under a mattress, and at the end of the same period of time, I would still have $499. I would have lost some buying power to inflation, but my principal would at least be intact. I refuse to do business with a bank whose policy is to steal from its depositors, and I want my money. All of it. Now." More heads turning, and the branch manager makes his appearance, telling me that I will get all my savings account money, but that I would have to leave funds in my checking account to cover any outstanding checks. I told him there were no checks out. When he launched into his bank policy rap, I cut him short, quietly told him i would stay until i got every penny, and the more time they wasted, the louder i was going to get, the more concerned the other customers were going to get, the more tough questions they would have to answer, and the more business they were going to lose because of this blatantly dishonest policy, and don't even think about having me removed from the premises or deduct the next month's service fee from my checking account. I got my money, and from the conversations i overheard on the way out, I wasn't the only one who decided he no longer wanted to do business with the Bank of
America.

Jefferson's view of the legitimate powers of government boiled down to only two: protecting its citizens from physical and financial harm, or as he put it in a letter discussing separation of church and state, "For my neighbor to believe there are twenty gods or no god neither picks my pocket nor breaks my leg." These bullshit banking fees definitely count as picking the public's pockets.
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When I was a teenager I went through something similar. I tried to close my account and was told I had to leave a certain amount of money there for outstanding checks. After trying to convince them otherwise, to no avail, I left the bank.

About an hour later I returned with a friend. We walked up to the teller and I asked how much was in my account. She told me the balance and, again, explained I could not withdraw it.

"No problem", I replied. I can fix that. I'll write an outstanding check. I them proceeded to write out a check for my friend who also had an account at the bank. He cashed the check and gave me the money knowing I had the funds.

"NOW the account is closed", I exclaimed.:)

That was one unhappy teller.
 
SmarterThanYou said:
you are completely fucking retarded. you KNOW my position is about not having unconstitutional laws enforced upon me and NOT about political change. I could care less if a CONSTITUTIONAL law is enacted.

stop being the total douchebag that makes watermark look sane.
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so ib1 is lying?
 
SmarterThanYou said:
had he not yelled 'allahu akbar' as he blew people away, I'd be inclined to agree with you. since he did, and attempted contact with al qaeda, i'm calling it a lone wolf terrorist attack.
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I'm waiting for the dust to settle. We've already heard how Sgt. Kim Munley acted alone, until clarification came that she wounded him but Sgt. Mark Todd was the one who actually brought him down.

Then one of the soldiers stated Hasan shouted "Allahu Akbar" but later retracted the certainty that it happened, and the base commander says the reports are unconfirmed.

That's why I'm still considering him to be a mass murderer.
 
I don't see why any one should be able to charge you for a service you did not request. Also, the bank will not cover large amounts if you don't have the funds, ones you might want to overdraw (e.g., rent/mortgage, cable bill, etc). It's the little $10 transaction at the convenience store where they get you.
 
I will point out that as a guy with a debit card, I have fucked myself over by overdrawing numerous times, but I admit its entirely my fault. I am attempting to build up my credit so that I can get a credit card and not worry about these things, and right now I have a Shell Gas Card. Everyone else (WaMu, Costco, and Fred Meyers) has rejected me so far, although one of them no longer exists, and one of them uses American Express (which sucks).
 
What is fractional reserve banking if it is not the bank overdrawing on their own funds. They always have NSF. They knowingly and intentionally do it. Their creditors would close them down if not for FDIC paid for by us. But yet, the regular Joe should be penalized when they did not intend to overdraw their account and the bank could have easily refused the charge. Fuck the banks!
 
My bank is now charging me .25 for debit card transactions. No charge if we use credit. My guess is this is a way for them to get around this new policy. Assholes.
 
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