There are many levels on which the bull session is valuable--different
folks are at different spots and the resulting "information" is for an
alternate universe depending...I partake of several from the sale barn to...
The funny thing was Lew you voiced your opinion of why you didn't want
to go inside, and I told you why it was to big deal for me because of
where I lived. Look where this thread has gone. Just shows life is
On 11/6/2013 12:23 PM, email@example.com wrote:
That certainly varies by bank. Some are very commercially oriented,
others, sorta' in between and yet others are very much interested in the
How much of which tends to correlate with size and regionality of the
operation altho even some of the very large have branches that
concentrate on local/personal arenas.
Best personal service if that is what one is looking for is quite likely
going to be found with the local or smaller regional bank, not BOA or
W-F or somesuch.
Sure, it varies a lot by bank but people are not their purpose.
They're "commercial banks". Credit unions are run by people for
people (and yes, they vary a lot, too). Ours happens to be very good,
so we've stuck with them for 40 years, over 20 of that living in a
OTOH, I have a CC with a megabank. I only have it for its cash-back.
We came from an Ohio credit union for more than a decade to a TN credit
union for more than a decade. We had a time between where we were with a
bank, a good bank that came highly recommended and had a great
reputation. They SUCKED!
Everything about the bank sucked compared to both CUs.
Lousy service, fees, lower interest rates, did I mention fees?
It's like going from riding the bus to a private limo.
We will never go back.
"Playing is not something I do at night, it's my function in life"
Well, that may have been; we were w/ a TN CU for 25 yr 'til returned to
family farm in KS. The bank we're using here (local, independent) is
_far_ more friendly, serviceable and less expensive. The fees are less
than were paying the CU in TN.
OTOH, there's a branch of BOA here that has all the issues they're known
for nationally on a smaller scale--how they remain open is beyond my
ken, but for some reason they do. Inertia on most peoples' part I
suppose altho we took Mom's account from there shortly after
returning--the personal account was still there because it, too, had
been a local bank until having sold out some time ago and gone thru a
half-dozen or more transitions before finally the last group of which it
belonged was one that BOA bought out.
Again, it's all in the actual institution, not a generality.
On 11/7/2013 12:56 PM, firstname.lastname@example.org wrote:
As a generic statement it's worthless--there are very good, mediocre and
very bad CUs just as there are of everything else. There were three
large ones in TN that each filled one of the niches...the third actually
ended up folding and was absorbed by the second not long after we left.
Not in my experience it's not, no. Then again, I don't deal with the
major banks but smaller, local ones where I know the people involved
directly outside the bank as well.
There have been some of those everywhere I've lived; large communities
as well as small.
Again, there are some but none for which am eligible that would consider
using instead of the bank. We do have some funds there--grandparents
and parents were cofounders and I have a $5 bill there from the same
time in the late 50s still there... :)
On Mon, 4 Nov 2013 22:01:12 -0800 (PST), " email@example.com"
My wife worked for a bank until about a year ago. They were always
looking for some way to cut corners and about six months ago they
bought out everyone over 60. If she'd waited six months to leave,
they would have given her a year's pay. :-(
Because of the economy, she's been unable to find a job. Even the
banks aren't hiring. Amazingly, no one even wants volunteers, at
least no one that doesn't want you to pay for the privilege. She will
probably take her measly SS in the spring, when she turns 62.
Time for some humor:
When I bought this house I'm living in I was
surprised to find that there
were _no_ drawers in the kitchen cabinets! None!
Many years later
I met a guy who proudly said he built the kitchen
cabinets in this
house. So of course I said: You forgot to put in
drawers! He said
they only collect junk and he didn't think they
were worth it! True
story I swear....! ;>)} Or perhaps these drawers
are so well hidden
I never found them.... heh heh ...
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