Take Your Money Out of the Hands of the Banking Oligarchs

I entered my zip code in texas and got a list of banks in California. Did they only list a few Californian banks? Not much help.

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Same thing happened to me. Please fix.

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Here it is ...

Move Your Money

Chances are the site is overloaded because so many people are going there ...

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How unfortunate that the majority of people are not savvy enough to withdraw patronage from all the big players; Big Ag, cheap imported goods, gas guzzlers, the list goes on and on. Maybe 'Move your Money' is a good omen for the new decade.

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When I moved back to DC in 2002, I absolutely wanted my money in a small bank or credit union. I really, really wanted to use Independence. Trouble was, they didn't have debit cards back then, and my life revolved around being able to use a debit card. Later, Independence got debit cards and I switched. I was never told that there was a limit on the amount of money I could withdraw on a debit card. I did major shoppings three times a year, each time that my student loan refunds came in. The morning of my first major shopping as an Independence depositor, I checked and found that I had more than $3000.00 in available funds. Imagine my embarrassment when my card was refused at Trader Joe's, my last planned stop. My daughter wound up paying for my groceries. When I called the bank to complain, I got the "Oh, didn't they tell you? . . ." BS. Then, I tried to have my limit raised, pointing out that if I tried to buy a camera lens or other major purchase, I would not be able to do so because one item would put me over the limit. My request to have the limit raised was declined. That event caused a major attitude change. I'll practice social responsibility in other ways, but I'm going to keep my money where it's accessible and where I can count on decent service.

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For years, I have believed in supporting locally owned banks with my major savings. They often paid much better interest rates than the majors. My day to day checking is with Chase, due to a series of local mergers, but I have never paid a fee with them for day to day banking. I also like the convenience so I can use my ATM card for free withdrawals, they have branchs near both where I live and work.
Chase has less than 5% of my cash, the other 95% is split over 2 banks that never took TARP cash. One has about 20 branches, 1 in my town, their HQ about 3 miles from my house. The other and a large savings bank, (Hudson City Savings) cited as one of the best run banks in the USA. They only have branches in 3 states, actually pay dividends to it's shareholders, has no hyperpaid executives and it is HQ'd only about 10 miles from my house.
Sometimes too, local banks can provide services the big banks if not ignore do so in a lousy way. In my town is a 2 branch bank, I have met the owner. His family lives in the area, they are very aware of the troubles of the industry, but they are in good shape. They only make mortgage and related loans, they specialize in serving Polish speaking clients, a significant group in my and an adjacent town.

I would note that some Community banks are facing serious financial problems due to the collaspe of local property markets, so take care in your choice of the bank you move your money too.

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The big banks will just buy these regional banks once they become juicy enough targets.

"All your money belong to us."

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where did you put your millions! Where does Al Gore or Nancy
Pelosi park their millions? Small banks? I doubt it!!!

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by Robert Singer

We have been conditioned from birth to believe that everything wrong in our society is about Greed: The inordinate desire to acquire or possess more than one needs or deserves, especially with respect to material wealth.

However, my research concludes the earth’s environmental damage and pollution was not the result of greed and the unintended consequences of our capitalistic consumer society, but was the goal.

Until the common man became “civilized” he had almost no environmental impact on the earth. Hunters, foragers and gatherers are unable to upset the ecological structures of the planet. [1]

The first civilized societies and their agrarian economies had an environmental impact but the damage was negligible because only 3% of the population, Kings and Lords were consumers.

The earth wasn’t in trouble until the House of Rothschild unleashed the middle class on the planet when they financed and fomented the American and French Revolutions. [2]

You can read the rest at The Market Oracle

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Support your local credit union. They are cooperatively owned and managed financial service institutions.

We use ours as a bank. No fee checking. Credit/debit cards. Mortgages. Money-market funds. Investment counseling.

Fuck the big banks.

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This idea has been circulating for a while now and I others have written about it in the past. I now have moved my most of my money into a federal credit union and am in the process of not leaving a dime in the big banks. One thing I will continue to do is use my chase card that gives me rewards. Since I pay my balance of in full each month it actually cost chase money and not me.

Let them slow bleed all the money that they have stolen from us. If you can not find a credit union than go to the small local bank and after a short while they may even start calling you by name instead of shouting "next".

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This link still lists banks for a California Zip.
If you go tot IRABankRating its a $1,000 a year to get their info.

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I have to admit this video was REALLY creative and well put together. It explained the banking crisis in a way the average person could understand. I usually do not like Ariana Huffington, there is something about her I just don't trust. Not to mention I hate the blatant prejudice and stereotypes against fat people in many of the articles in the HuffPost. But this particular idea is genius. It is circulating widely on FB. I reposted it there, on myspace, and will share the link with my students. And YES, it WILL work if enough people do it!

p.s. I already put mine in a community bank!

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Of course this is an excellent idea.
I've had my bank account at a small city bank for over ten years and am generally satisfied.
If holders of major accounts in large banks could see their way clear to place their money
into smaller local banks, what a clear message it would send to Wall Street and Washington.
Thanks Arianna.

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Great idea in theory but do they offer on-line banking so I don't have to write checks and can manage my bills from out of town? Can I have access to my Bank of Podunk funds when I'm 13,000 miles away on a vacation?

Also, I entered my zip code for San Francisco and got all banks in Los Angeles.

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I joined my first credit union in the 1970s, and, except for a couple relapses, have stayed with them.
Those relapses served to remind me that:
Compared to the service at credit unions, banks SUCK.
I belong to a one-of-a-kind little credit union with NO branches anywhere, and where everybody there KNOWS me.
I can go into the credit union, and walk out with a $5,000 loan twenty minutes later on nothing more than my signature.
My one-of-a-kind credit union issues credit and debit cards.
Due to how credit unions are set up, I own part of it, and can voice my opinions at board meetings. Try this with B of A.
One good way to throw a scare into the bankster's empire would be a mass migration to credit unions.
One more thing; my credit union has stayed in robust good health throught the current "troubles" and has required NO bailing out from anyone.

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Entered zip code again, got 4 banks. The closest one is 6 miles away so that's 12 miles round trip (think portion of tank of gas) They are only open from 9-4 Monday-Thursday and 9-6 on Fridays. No Saturdays. They have 3 other locations, the other branches are more than 40 miles away.

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When I first moved to Oregon, I conscientiously looked for a small bank because B of A screwed me one too many times. I found the Bank of the Cascades which is headquartered in Bend, OR, and has the nicest people working for it and great customer policies. If you are in OR, try them if there is a branch near you. Otherwise, try a credit union.

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Due to re-locating, acting as my mother's guardian and various other family events I have dealt with many banks over the last twenty to twenty-five years. The only ones who have not changed ownership and names more times than I can count are two small town, home owned banks. They also offer the best service and as a result, these are the banks I now use. I avoid the "biggies" like a plague.

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Well, if Arianna Huffington's big idea is to move your money out of big banks, no wonder the left is in trouble. When Citibank bought my small bank in 2002, I moved everything into my credit union. Credit unions (or small banks) are the way to go. If you're really on the left, shouldn't you be staying away from big business as much as possible?

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I don't have a newspaper column, so I have been trying to work out ways for me to fight back against big business in general for quite some time and have only shared my thoughts with close friends. I took my deposits out of the big banks 10 years ago. I have stopped using credit cards when I make purchases from sole proprietors that are not directly linked to national or regional chains. I have stopped shopping at chain restaurants and instead support locally grown businesses. I try to avoid shopping at chains even when it costs a little more because it is like making a contribution to my belief in small "c" capitalism and being social in terms of my locality. Ariana and her friends have a great idea. The more people that join her the better.

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I already moved to a smaller bank after about 18 months of just cashing checks instead of banking them (I am self-employed). Great way to see a number and variety of banks and to hear their pleas for your business. Running on cash for an extended period is also a good way to gauge just how much was being skimmed by your bank.

If you really want to change things, get the parasites away from your cash flow; yes, take your time and find a small bank that you like. Don't stop with that - refuse overdraft protection, do not use credit cards, and when you do cash a check at another bank - make them give you a receipt for the expense. (Delightful to see a bank spend 15 - 20 minutes of combined employee time to charge $5 to cash a check).

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They are a good safe bet even during tough times. Let the people start taking their power back! Screw the banksters, they all need to be up on RICO charges anyway!!

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Small banks, coops, and credit unions are all good choices if you want to boycott the big banks. Some people think that states states should open their own banks to get out of debt, as North Dakota did. See the link to the public banking blog below for some information on banking alternatives: http://publicbanking.wordpress.com

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just been taught wrong. I just move from one to other as their boards and employees vary. I only keep bank accounts that have no monthly fees. I never use the same one for two consecutive months. When every check in any account has cleared it is free to be used again. Then there are never any over draw fees. I never use debit cards. They are less safeguarded than other devices. The big banks chase me. They do buy the small institutions. Bank of America has bought me twice. I can usually escape in due time. It going to be harder this time. They bought my house note. It may take 5 or 10 years this time to get loose. They are criminals.

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does the idea of citizens actually having a direct roll in the governmental process mean that they want to be "controlled."

I never knew just how bad the brainwashing was in the united states until i was lucky enough to have my eyes opened.

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Every single American should go down to their mega bank on Monday next to withdraw every penny from the bloodsuckers that have destroyed our economy with their thieving greed in concert with the Treasury, the Federal Reserve (a useless organization for the enrichment of mega banks), the Congress and the executive branch.

There are multitudes of local banks who will appreciate your business and who will understand that it's OUR money in their banks. These smaller banks can provide all the banking service that we need. Better yet, use a credit union in your area.

May every CEO of every mega bank, the Secretaries of the treasury, the Federal Reserve Chairmen and all the enablers in the federal government be vilified and ostracized from American society.

When your incumbents in the federal government come up for re-election go to the polls and vote every single Republican and Democrat out of office.

In the future we voters should let every single politician that we send to Washington, DC clearly understand that they work for the American people not the corporations that currently own and operate the federal government. Let them also know that We the People and the voters are ready, willing and able to end their political careers but quickly and permanently

If we fail to do this then we deserve the Godless corruption that has taken this country by the throat. Kissing the butts of the corporations has not saved a single job. With the end of the ungodly triumvirate of Wall Street/mega banks and the lowlife corporations and the crooks in the federal government that have colluded to kill off the American middle class America will we be on the road back to sanity and financial health.

Tell all of these thieves that you are "mad as Hell and you're not going to take it any more".

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I bank at US Bank in Milwaukee, Wisconsin. They are excellent. They are professional, friendly, and have hours and a location that is excellent for me.
I would never think of banking any other place.

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I entered my Texas zip code and got a crazy SQL error. What's up?

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Buy physical gold and silver coins. That sends a message to the managers of the economy. Otherwise, your savings will be destroyed through inflation (that Washington is lying about).

If the Fed, Goldman Sachs and JP Morgan end their promotion of the zero interest rate policy (that bails out dead beats and rewards speculators) you can go back into your community banks and sell your precious metals. Otherwise, staying in dollars will result in worthless paper and no savings.

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I moved my hard earned money from the Bank of America bastardi into a local bank, but really the only safe place is under my mattress.

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First of all, the list of banks that comes up is bogus: all the banks listed for my zip in northern California were in S. California.

Secondly, no credit unions were listed. Credit unions are the best response to corruption by the banking industry - even smaller banks have credit cards underwritten by B of A, Citibank, Chase, et al.

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I also agree that we have been conditioned from birth to believe that everything wrong in our society is about Greed: The inordinate desire to acquire or possess more than one needs or deserves, especially with respect to material wealth.




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So where does Arianna keep her money? And once it's in the bank, where is it invested?

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I quit doing business with corporate banks 12 years ago and never looked back - lest like Lot's wife, be turned into a pillar of salt.

Credit Unions are cooperatives. Members get to vote in the Board of Directors. Credit Unions mission statement is LOCAL control of members money deposited. Credit Unions make loans to local small business owners, individuals for car/home/education loans. The money you deposit in a credit union is invested in "clean" loans to middle class/working class folks like you and me.

You can get a Credit Union credit card, so if you are paying interest on it, at least the profit goes back to your credit union, not some crypto-fascist corporate mafia Wall Street banking cartel. Credit unions offer competitive interest rates on car loans, home mortgage and small business owner loans.

My checking, savings and overdraft protection line of credit has no monthly fee. I get a little bit of interest on my savings account and it is almost risk free. Not ONE credit union tanked, nor went bankrupt when Wall Street crashed in September, 2008. Not ONE credit union got TARP or $800 billion bail out money.

Some credit unions are non-profit. After their overhead is paid they re-circulate the profits back into the credit union to give as consumer loans to their members. Some credit unions pay a dividend profit sharing check out of profits they make by lending money.

I have 2 corporate bank credit cards but I pay off the ENTIRE balance in full each month and don't pay interest to the motherfucker banks. I kept my 2 corporate bank credit cards for the Rewards Points to get gift certificates and cash rebates. Like it or not, we need a credit card to function in our society reserve a car, buy concert tickets online, etc. Yeah, you can use your ATM debit card just like a credit card if it has a VISA, Mastercard, etc. logo but with an ATM debit card you have ZERO consumer dispute rights if you buy crap merchandise which falls apart after you purchase it. If the merchant won't give you a refund, you cannot dispute an ATM debit card purchase

With corporate bank credit cards you have very strong consumer rights to disupte any charge on your bill if you have a reasonable cause to request a refund. I've saved thousands of dollars over the years after buying stuff that fell apart, or was defective when I bought it on a credit card

The only other reason to have a corporate credit card is for "Extended Warranty" protection. Nowadays, 90% of stuff is made in China by slave labor and poor quality. Electronic consumer goods, computers are manufactured to break shortly after the manufuacturers warranty expires. American Express and most other credit card companies, such as Mastercard/Visa will DOUBLE whatever the manufacturer warranty. Usually there is NO annual fee/service charge for Extended Warranty. American Express is the best. They refund 100% of the purchase price for defective stuff on Extended Warranty.

Buying an Extended Warranty contract from the retail store is a huge waste of money. Frequently the parts that break are NOT coverered under those contracts. Don't even THINK about buying an extended warranty plan for automobiles - worthless

The best Extended Warranty plan is through American Express. I blew $1,500 on a Toshiba laptop which "fried" after less than 2 yrs. AMEX gave me $1,000 refund based on what it would cost me to buy the same laptop at the time it broke. Amex will repair your broken computer & pay shipping back and forth from their repair center. If it can't be fixed, they'll replace it or refund the purchase price

Make credit cards work for you & screw finance companies don't pay interest. Pay balance each month in full. Merchants pay 3% to credit card companies for each transaction They factor it into cost of stuff they sell customers

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I encourage anyone interested in this banking topic to read Web of Debt by Ellen Hodgson Brown, J.D., which traces the history and contradictions of the banking system and the dollar in general in both the U.S. and England.

She exposes how our money economy is essentially created and supported by creditor debt that large banks primarily influence people to take on. She talks about the need for the government to create its own money, rather than allow fractional banking to be source of the economy.

I'm nearly finished with book, and honestly I don't have a handle on everything I read, but it certainly has been an eye opening read.

I think an entire website should be created and devoted to the topic monetary reform and rethinking the entire relationship we have with money system.

The multi-trillion government debt is no way to run the finances of any country. Brown maintains towards the end of the book that federal debt could be liquidated by the government simply printing up money and buying back its bonds. She goes on to say "Inflation results when the money supply increases faster than goods and services, and replacing government securities with cash would not change the size of the money supply."

I can't pretend to understand it all, but what I've read so far surely indicates that there's a better way to run an economy than what has historically been done.

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Love credit unions, the ones we belong to have been real good and offer everything we need..

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