Bank Fees Are a Gift for Credit Unions

Posted by: Dan Beucke on November 3, 2011 at 10:30 AM

bank_transfer_600.jpgKristen Christian, a 27-year-old Los Angeles gallery owner, came up with the idea for Bank Transfer Day after getting socked with one bank fee after another. Now that big banks are backing off their most notorious fees, on debit card use, is she backing down? No.

Bank Transfer Day is this Saturday, Nov. 5. Supporters say they are voting with their feet against fees, bank bailouts, home foreclosures and other sins of the big banks by pulling their money out and moving it to local banks or credit unions. The concept was quickly seized upon by Occupy Wall Street demonstrators, leading to a torrent of supportive Tweets and sister movements. And in perhaps the surest sign of Internet respect, Christian has been featured in a Taiwanese animation.

In just a month, Christian’s Bank Transfer Day page on Facebook has picked up 35,711 “likes” and the event page shows nearly 75,000 “rsvps” for those who have closed bank accounts or plan to. She goes out of her way, there and in interviews, to stress that BTD and OWS aren’t connected, though she welcomes the Occupiers’ support. (Christian also says she hasn’t received any financial support for BTD and her links with credit unions are limited to her membership with Los Angeles Federal Credit Union and Coast Hills Credit Union.) Bank of America’s decision Tuesday not to charge customers $5 a month to use their debit cards doesn’t change her mission, Christian explained in an email interview:

As far as I’m concerned, the funds of the American public are still better served on the local level with credit unions that focus on members and community instead of stockholders and profit. As I’ve mentioned before, November 5th is merely the deadline goal of Bank Transfer Day. This announcement from the banks comes too little, too late.

In an earlier interview with the Village Voice, Christian described bank experiences that may sound familiar:

Mostly just, I was tired. I was tired of being charged bank fee after bank fee after bank fee. If their site is down, if I call in, I get a 2 dollar charge. That’s not my fault. … Another example: I took my mother to a Mother’s Day brunch, and she had to pay because the bank decided to freeze my funds. It took nearly three days to give me access again. They said it was frozen for suspicious activity, but they made no attempt to contact me, they just froze my funds.

No surprise, credit unions jumped at the opportunity to take advantage of the fee outrage. My colleague Suzanne Woolley points out the credit union for our old employer, McGraw-Hill, this week started a “UnFEElievable” campaign. Amplify Credit Union in Austin is offering $50 to anyone who transfers over on Nov. 5, and the chance to win an iPad. A music video explains how to switch to a credit union.

How much actual business credit unions will pick up is unclear. The Credit Union National Association claims that a survey of 5,000 credit unions shows 650,000 new customers have been signed up, and $4.5 billion added through new accounts, since BofA announced its fee-hike plan on Sept. 29. (The group says average monthly membership growth is 80,000.) Western Federal Credit Union, a Los Angeles outfit that’s offering financial incentives to switch, says it added 30% more new members last month than it averaged the prior four months. A Bank of America spokeswoman declined to comment on BTD.

Banks can lose a good number of small accounts and not suffer greatly — especially if they hang onto the accounts of the 1% or near-1%. Those wealthier customers get hit with fewer fees anyway, and stick around for services that aren’t available to smaller account-holders. Finding new fees to fill the $8 billion revenue hole left after the debit-fee debacle will be a bit trickier, however.

(Photograph: Courtesy Everett Collection)

Reader Comments

Bob

November 3, 2011 1:10 PM

Make Bank Transfer Day every day - Join a Credit Union! I am happy I did!

http://www.creditunionrevolution.com

Winter

November 3, 2011 4:50 PM

Dan,
You cited the wrong page. The real action for Bank Transfer Day (with nearly 500k "invited") is here http://www.facebook.com/event.php?eid=281139538577206

Roland

November 3, 2011 5:23 PM

I ditched WF years ago for this. They asked how I wanted my money ($2K+ balance at the time). I told them a cashiers' check would be fine. They said there would be a $12 fee for that. So I said "Gimme cash". Felt good!

anon

November 3, 2011 6:40 PM

I started with Citi, moved to WaMu, jumped to BofA, tested out TD Bank and I'm currently with Chase. I HAVE NO TROUBLE SWITCHING BANKS IF I THINK THE FEES ARE UNCALLED FOR. Next stop NYU FCU. Goal: free checknig and no fees, NO FEES!!!

Clay

November 3, 2011 10:38 PM

As a community bank employee, I urge you to not paint your local, community bank with the same brush as Wells Fargo, B of A, Citibank, etc...

I truly hope you will find a greater level of knowledge with most community banks. As an added benefit, please note that your community bank actually pays income tax on their profits.

It is certainly of note that Credit Unions have benefitted from bail outs, just not as well publicized. And these bailouts were from the tax payer's back as well, even though CU's never pay a single cent in income tax. So which one is really costing you more as a citizen? I trust you can follow that line of logic.

Dave

November 4, 2011 12:13 AM

Clay, there have been no taxpayer-funded bailouts of credit unions (please name one credit union that has received taxpayer funds). Credit unions fund their own deposit insurance program, and any losses to the fund (as a result of insolvent credit unions) are replenished by credit union repayments to that fund.

Banks pay taxes because their profits are distributed to third-party shareholders. Credit unions are tax-exempt because their income is never distributed to unrelated parties. As not-for-profit cooperatives, credit union income is distributed to their customers (members), the very people who deposit funds into the institution, and borrow from it.

If you feel credit unions have an unfair advantage over banks, I invite you and other bankers to convert your for-profit institutions into a non-profit credit union. That's not likely to happen, because bankers won't sacrifice that profit motive for the sake of saving a few tax dollars.

By the way, while credit unions are exempt from federal income tax, they do pay property taxes and payroll taxes, and their members pay income taxes on the additional interest earnings they receive as a result of the credit union rate advantage.

If that's unfair, please feel free to convert your bank to a credit union. Your customers will be better off as "members," and you'll have the "advantage" of being tax exempt (but you may lose those bonuses to which you've become accustomed).

MCFox

November 4, 2011 1:14 PM

While the Banksters are rapacious in extracting fees from customers, and more than happy to lose small accounts which are a pain to service and may cost them money (as pointed out in this article), unfortunately, Credit Unions are no panacea. In my (admittedly limited experience), some (many? most) credit unions approach the business of financial services with a "mom and pop" shop mentality and quite inefficient and not terribly customer service oriented. (www.yelp.com/biz/fairfax-county-credit-union-fairfax)

While I would prefer, in theory, to do business with a member-owned, smaller, local institution, I have not been able to find one that meets my needs. Good luck with your switch over.

Westernfan

November 4, 2011 1:15 PM

Now, if we could just get Credit Unions to offer group rates on life and health insurance, we could limit some of the gouging that goes on in those industries as well.

Alec Leamas

November 4, 2011 2:39 PM

The big bankers of Europe (Rothschilds) managed to spread their influence in the US through JP Morgan and Rockefeller. The creation of the FED was probably the crowning moment.

By decentralizing banking, we can diminish some of the influence of the banking cartel(s) that have preyed upon the world for too long.

This is the most exciting show of power by the common consumer (citizen) I can think of in a long time.

We could shut down any corporations who don't conform to the coming changes in governance next through boycotts ....

Joe

November 4, 2011 2:41 PM

Credit Unions are truly a good idea to belong to. They have lower expense ratios, don't have trading arms, and generally have much more stringent loan approval terms, so members won't be as easily tricked into taking on more debt than they can afford.

Amaya

November 5, 2011 8:14 AM

You guys do realize that back in the good old days women didn't haft to work... neither did children when it came to getting good education ... One member of the family could work and support for the rest within the household.... What changed????? Oh Waite I know!!! We started to allow private banks to print money and put fees on us.... We started to let them put income taxes on us!!! Is that Freedom??! NO not at all...... These banks are also trying to establish themselves in other countries ...Why???? Complete control over the worlds economy "MONEY"...... These banks aided the rise of Hitler and then in order to stop inflation aka "The Great Depression" our government had to BORROW money from these banks for military spending,... this ended the great depression by taking money out of the banks and allowing it to circulate... But yet again the banks have absorbed this money and places interest on our government..... WTH are you kidding me!!! They shouldn't be allowed to handle American money its in the Constitution!! Only American Government should have the power to print money not private owned monopolies. ... Until these banks are out of power you will never see America as bold and beautiful as she once was... These Banks will drain you for every thing you got...


Thank God China exist.... China is no threat to us... China is a threat to our money and thus a threat to our nasty banking system... Maybe China will defeat a monster Congress and the presidents are to afraid to stand up to.


I am Japanese American..... We generally don't like China.... But hell somebody's got to stand up to these Banks.

Cranky Old Batt

November 6, 2011 1:18 AM

My experience has been similar to MCFox's. I have had accounts with 3 different credit unions and had extreme problems with 2 of them. They just aren't set up to provide customer service on anything but a local level. So when I moved, I had to move my banking as well.

In between I moved to a statewide bank. They were great until they adopted Bank of America's business model, fired all of the top officers and become horrible to deal with.

I am now with a very small local bank and love it. I am treated like a valued customer, not an annoyance as at the big banks. I hope they never get it in their head they need to compete with the bigger banks or I will move my accounts again. Its not that hard.

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"The Wealth Debate" is a running discussion of wealth, poverty, the economy and income inequality in the U.S. and the world. It was started shortly after the Occupy Wall Street movement sparked a global protest about the fallout from the financial crisis and money in politics. You can reach the editors, Dan Beucke and Mark Gimein, by email, or follow BloombergNow on Twitter to keep up with posts.

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