to screw customers.

i keep remembering 'it's a wonderful life' (the movie)

and i think
that's why credit unions were originally started from what i understand

it's sad that it seems so hard to start stuff like that up now adays

it shouldn't take more than a neighborhood getting together
https://en.wikipedia.org/wiki/Microcredit is something that almost all countries support in Africa, Asia and so forth
why not for the poor and working poor in their own countries?

(i know...no profit) but see i disagree, if a bank treats me badly when i'm poor, i won't go there when i have money (and i know, the US doesn't have a lot of economical movement range (despite all the nice Alger propaganda)).

but still, alienating a customer is almost always a bad idea

even worse is when SS or food supplements will only be given out on debit (prepay) cards and they have fees on them
so the supplement one DOES get gets eaten away by fees but you can't take it out cash or check (even if you do have a bank account to deposit the check into)

seems to me most bankers are close to vampires, apologies to any vampires for the comparison

i've heard of it, but am hesitant to google it due to probable 'bias'

i know postal banking in nordic countries, heck even some coop/member store/stores have bank/credit unions
and do pretty good (say 5% discount buying in store no fee on checks and .5% interest (a lot for europe))

Not quite - from what I understand, a number of employers have moved to paying employees in the form of pre-paid debits that rack up extra fees for those simply trying to get at their own money. So it's not quite a 'choice' on the part of the employees to 'treat the cards like bank accounts'. Just another rip-off orchestrated between employers and those who issue the 'pay cards'.

but in Europe it's cheaper to direct deposit than issue a check

Which is why they'd rather do it. They get great rates from the people who run the debit card setup, but then the poor people using the cards get hit up for fees even for simply withdrawing their money from the card.

(actually in europe it's cheaper all around)

but in the US it's cheaper for Employer
that's what i meant Erich
sorry for not clarifying


probably the employer in the US already gets kickback somehow on fees

No doubt done in such a way as to be 'legal', even if unethical. That's the way most of American business rolls.

that rich people will F... you at every chance...???? what are you paranoid?
or realistic!

and so on in ever widening arcs, until they do the least for the majority of folks. It's understandable human nature. And it's the reason government should work to protect everyone from the ensuing results of human nature. Rich people aren't trying to screw with me. They don't even care about me. They're just trying to gather as many resources and as much power for themselves as possible. And because they're rich, they can tilt the board in their favour every time, unless there's some entity that works to relevel the board for the poor.

Chase is charging $8.00 for non-customers to cash paper checks.

Most check cashing places (party stores, etc) charge something similar.



Sanders 2016

offer free checking account (waive maintenance fee) if you do a monthly direct deposit


check credit unions as well
http://www.culookup.com/

but it comes down to your employer's willingness to do this as well

Some companies do not issue checks, yet for some getting a bank account is impossible.

for me it wasn't an option, not cause i don't have a credit union account, i do
but cause company direct deposit would only work on a bank that would then charge me


and for some people (bancrupcy and debt and a thousand other reasons) banks and creditunions wont issue accounts

credit unions are usually a little more lenient