Home > Economy, Occupy Wall Street > Bank Transfer Day Nov. 5th

Bank Transfer Day Nov. 5th

A spontaneous movement of people who plan to close their accounts at the Big Banks — such as Bank of America, JP Morgan Chase and Wells Fargo — and transfer said money into credit unions is gaining strength, thanks to the awareness of Occupy Wallstreet and the visibility of Facebook.

Check out what happened when a couple 99%ers in Santa Cruz went to close their accounts at Bank of America.

At Citibank, at least one account-holder was roughly manhandled by police and some 25 others were arrested for trying to close their accounts.

Bankers seem to think your hard-earned money is theirs to control — even from you. They are having people arrested and roughed up for seeking access to their own money.

From the Bank Transfer Day event page:

Together we can ensure that these banking institutions will ALWAYS remember the 5th of November!! If the 99% removes our funds from the major banking institutions to non-profit credit unions on or by this date, we will send a clear message to the 1% that conscious consumers won’t support companies with unethical business practices.

• Research your local credit union options
• Open an account with the one that best suits your needs
• Cancel all automatic withdrawals & deposits
• Transfer your funds to the new account
• Follow your bank’s procedures to close your account before 11/05

Last week the Humboldt Herald featured a Guest Post about local options for Credit Unions, including disturbing news that Coast Central Credit Union CEO made over $1 million in 2009 — far more than the CEO of a credit union twice its size, Provident Credit Union.

Whatever decision you make, consider moving your money away from Chase, Bank of America, Wells Fargo, or Citigroup by November 5th.  They have way too much of the 99%’s money.  Click for better viewing:

  1. Walt
    October 16, 2011 at 6:45 am

    THIS is a way to make the hurters hurt. Too bad most people have more liabilities than assets. . .I’m in.

  2. Mitch
    October 16, 2011 at 7:09 am

    (I have no financial or social connection with Provident CU, though I now have an account there.)

    For anyone who may be wondering, opening my account at Provident, online, was a piece of cake. They mailed me my first set of checks, free, and sent the Check Card and its PIN in separate mailings that arrived on separate days.

    They have online banking services that allow me to pay bills without writing checks, just like B of A. They also provide free access to some online financial software. If you set up direct deposit monthly, and use the check card 10x per month, they pay 2.26% on your checking account, up to $25,000.

    Provident was set up in 1950, specifically to serve the members of the California Teachers Association. Membership (meaning opening an account) is now open to anyone living in Humboldt County.

    For those who’d rather go to a branch, their local branch is by the Henderson Street side of the Winco Mall, at 2916 Central in Eureka:


    Provident genuinely appears to be about offering its membership a good deal. I can’t say that for the credit union that’s a big advertiser throughout Humboldt. Do your research before you move your money. In my opinion, moving to a credit union that doesn’t have nearly as good rates on either loans or accounts, but that does have a million dollar CEO, sends exactly the wrong signal — it says that as long as you stamp “credit union” on a financial institution, nobody will check to see if you behave better than a bank.

    (Paraphrased from Absolutely Fabulous: Stamp “green” on everything and cab the envelopes around to each celebrity, right away!”)

  3. Mitch
    October 16, 2011 at 7:16 am

    Oh yeah, ATM’s. Provident offers free access to 33,000 ATMs nationwide. Through the Co-op program, you have free access to ATMs at what looks like all the local credit unions, including that big local advertiser with the crappy rates and the million dollar CEO.


  4. Joseph Byrd
    October 16, 2011 at 7:18 am

    The URL link is not correct. It should be http://www.youtube.com/watch?v=tK0O30aFT7g&noredirect=1

  5. Ponder z
    October 16, 2011 at 8:15 am

    I must say, as much as I detest protesters, I like this idea. I pulled my cash out of banks twenty years ago. I cant understand why you would use a bank, and be subject to all the ridiculous fees. CCCU has a CEO that is overpaid? Well maybe so, still no comment on that form CCCU. I would like to hear their side of the salary, though its non of my business. I can choose what credit union to use, so far.

    As for the ill treatment form the BIG banks, the protesters probably deserve the bums rush for causing a disturbance in a business. Just go in, transfer your money, follow the rules, don’t be an assclown!

  6. October 16, 2011 at 8:30 am

    I may switch banks, it will be because of what the Frank-Dodd bill caused.

    As to the Occupy children, have you seen who their latest supporters are? http://www.thegatewaypundit.com/2011/10/figures-nazi-party-throws-support-behind-occupy-wall-street-movement/

    The Banks were ordered to take the money. They have paid the money back, with interest. If you want to be mad about a waste of money don’t look at TARP look at the Stimulus. That went to unions primarily, and they are also part of the 99%.

    And if you paid big money to get a degree in navel gazing, that is your poor planning

  7. Goldie
    October 16, 2011 at 8:40 am

    Closing an account at one of the big banks will carry more weight than your vote for president. Want to stop the bail outs? Stop the banks.

  8. Plain Jane
    October 16, 2011 at 8:53 am

    But don’t carry a sign saying you are one of the 99% when you go in to close your account or you’ll be arrested, maybe even beaten up by bank guards or cops. Print it on a tee-shirt instead.

    Great poster:

  9. Anonymous
    October 16, 2011 at 8:56 am

    Tea Party — Koch brothers sheep.

    Occupy — Americans.

  10. Anonymous
    October 16, 2011 at 9:04 am

    Kirk girard out!!!!!!

  11. Not an Expert
    October 16, 2011 at 9:13 am

    do people really keep their checking and savings anywhere but credit unions?! BofA has bought up my mortgage and visa accounts, they get too much of my business as it is. Coast Central suits me just fine and has for 15+ years.

  12. Mitch
    October 16, 2011 at 9:20 am

    Ponder z,

    CCCU is a non-profit. That means, by law, its CEO’s million-plus pay package is everyone’s business, as is every credit union salary above $100,000. Non-profits aren’t granted special tax treatment in order to make their executives wealthy; that’s one reason that the disclosure laws are strict.

    A million for Coast Central’s CEO wouldn’t be as disgusting IF their rates for members were the best available locally, or even if their tellers were paid better than others. That’s not the case.

    CCCU is an excellent example of abuse of non-profit status to enrich an in-group. Its members would be smart to move to Provident CU until CCCU changes its behavior.

    I realize many people have been sold on CCCU thanks to its advertising. The advertising has more than paid for itself, convincing you to pay thousands of dollars more for your mortgages than you need to, and to receive far less on your savings than you can. And the advertising, most likely, is one of the reasons you don’t know this — the local media whores are dependent on it.

  13. Mitch
    October 16, 2011 at 9:26 am

    Ah Domino 21, you’ve discovered the Herald.

    Great amusement awaits. It’s not just that the big, bad government forced the poor banks to take its money and that Occupy Wall Street is really a bunch of Nazis. That’s just the tip of the iceberg… everything bad that has happened is the fault of, well, let Domino 21 explain it all to you.

  14. Plain Jane
    October 16, 2011 at 9:27 am

    I have postponed transferring accounts because of auto deposits, payments and donations; but need to get my paperwork together to transfer all accounts and investments to a local credit union. I had originally planned on using CCU, but won’t in protest of Mr. Christensen’s exorbitant salary. No non-profit should be paying almost a million dollars of their members’ money to the president.

  15. Plain Jane
    October 16, 2011 at 9:32 am

    Domino, if Hugo Chavez announced that he endorsed the tea party, would you demonize the tea party because of that support? Organizations aren’t responsible for the groups or people who endorse them, only for what they endorse. Is that too complex a concept for you?

  16. Woof Blitzer
    October 16, 2011 at 9:36 am

    Domino Twentyone = D. T. do those initials ring any bells?


  17. Plain Jane
    October 16, 2011 at 9:51 am

    Another great idea for tee-shirts

  18. Goldie
    October 16, 2011 at 9:58 am

    Banks need a percentage of cash on hand each night to offset their loans and risk. Our deposits make up this percentage. I thought it was 4% but Wiki says 8%. When the percentage is not met they go to the overnight market and borrow money from other banks who are above their percentage. Deposits keep the banking industry in motion and their margins are tight. As Jane has said, it can be complicated to move your banking but ever so important and a very effective political statement. Banks can not afford to lose depositors when their business model is based on growth and greed. They are walking a thin line and a when relatively small number of the 99% stop feeding the giants they will be very hungry.

  19. mresquan
    October 16, 2011 at 10:01 am

    Jane,remember that Tea Party supporters have no problem with Alaska residents receiving a nice tax dividend directly from Hugo.Unless I am wrong,I don’t think the Tea Party has ever protested about that.So the Tea Party disliking of Chavez and his politics only goes so far.

  20. Anonymous
    October 16, 2011 at 10:18 am

    Yep folks. Make those arrangements for the auto deposits of your SSI, welfare and teacher blood sucking pension checks and the leave. Most folks don’t give a rats ass.

  21. Plain Jane
    October 16, 2011 at 10:20 am

    I forgot about that, Mresquan. Alaska seems to have special powers to change the definition of socialism, corporate taxes, earmarks and pork. When it is the state of Alaska increasing taxes on windfall profits and redistributing it in the form of “rebates” to people who don’t pay state taxes, it’s called free enterprise. When the governor’s husband belongs to a secessionist party, it’s called patriotism. When the state of Alaska asks for and receives the largest per capita federal earmarks in the history of the country, and has the largest gap in the country between what Alaskans pay in federal taxes and receive in federal spending, it’s called being fiscally responsible. Only in Alaska can transferring money allocated to build a bridge to nowhere to building a highway to the non-existent bridge to nowhere be defined as refusing the pork.

  22. Plain Jane
    October 16, 2011 at 10:26 am

    I guess since I’m too young to receive SS, have never received a dime of welfare (or unemployment), am not a teacher or public employee of any sort and never have been, they might miss my money?

  23. Plain Jane
    October 16, 2011 at 10:29 am

    I should add, I’ve never made a dime (directly) from pot growing either, although I’m sure a portion of my income is derived from people who do directly and indirectly.

  24. Mitch
    October 16, 2011 at 10:38 am


    (I have no affiliation with Provident CU other than as a happy customer.)

    Car Loans:
    Provident Credit Union car loan rates: 2.75% for 36 months

    Coast Central car loan rates: “as low as” 3.74% (about 33% higher than Provident).

    Provident 30 year mortgage: 4.16%

    Coast Central 30 year mortgage: 4.557%
    Bank of America 30 year mortgage in California: 4.436%

    Difference in your mortgage payments: you’d pay Coast Central or Bank of America approx $7,000 more than Provident per $100,000 of mortgage (over 30 years).

    Checking accounts:
    Provident 2.26% from first dollar
    Coast Central: between 0.0% and 0.15% on first $10,000
    Bank of America: 0.13% (with rate bonus (TM))

  25. Anonymous
    October 16, 2011 at 10:44 am

    Good luck with that delusion P J. Sheesh you folks are sure mighty angry and hateful. Guess who pays for the forged checks and fraudulently used ATM cards? Who do you think pays for the credit card debt that people run up and don’t pay? I think that after you pay the check cashing place those huge fees to cash your handouts you just keep your money under your bed roll. As for the dope money – that can’t go into any bank anymore due to the feds demanding info from the banks. Gosh that’s nice. As for me, since I don’t use checks, I am fine with a 5 buck monthly fee for the ease of using the card.

  26. Plain Jane
    October 16, 2011 at 10:52 am

    10:44 translated closing accounts at big banks and moving funds to local credit unions as stuffing your cash under a bed roll (implying I am homeless?) and using check cashing services, and still claiming the money I work hard for is handouts. And it accuses us of being angry and hateful.

  27. retired guy
    October 16, 2011 at 10:52 am

    Money talks, BS walks. Move your money out of the big banks to a Credit Union. What a great and simple way to state your dissatisfaction with the status quo currently being played on us by the corporate big boys.

    It’s about time the 99% had an easy way to make our feelings known and do something about letting the 1% know that we are no longer going to be “grabbing our ankles” and bowing to them at the same time.

    Move your accounts now!

  28. Plain Jane
    October 16, 2011 at 10:55 am

    Provident sounds like a winner, Mitch. Do they have special requirements for new members, certain employers, etc?

  29. Silver Bullet
    October 16, 2011 at 10:59 am

    Two dozen savage bankers….and a very sharp guillotine.

  30. October 16, 2011 at 11:05 am

    I wonder how the local PD is going to react to the several hundred people locally that are going to try to close accounts?

  31. Mitch
    October 16, 2011 at 11:06 am

    Please go to the second youtube video at the top and skip to 1:35 for an example of the “Occupy Wall Street children” Domino refers to. Please observe the woman’s attire and behavior (try to ignore the screaming — that’s not her fault and she didn’t ask for it). Note the response of the bank’s goon and the NYC police department.

    There was a wonderful book about apartheid South Africa: “Cry, the Beloved Country.” The title is now apt for the United States.

    Plain Jane recently posted http://www.vanityfair.com/society/features/2011/05/top-one-percent-201105 this link to a wonderful and mercifully short article in the magazine Vanity Fair, by Nobel Prize winning economist Joseph E. Stiglitz. Stiglitz teaches at Columbia University and is a former Chief Economist at the World Bank, so it’s hard to consider him an Occupy Wall Street child, though I’m sure someone like Domino can pull that trick off. To give you an idea of how radical Vanity Fair is, when I pull the article up the banner ad is for “Giorgio Armani’s Fall/Winter 2011 Collection.”

    If you don’t understand why Occupy Wall Street is happening, please read this article. It’s an excellent summary of what’s happened to our country in recent decades, and why it must be reversed.


  32. October 16, 2011 at 11:10 am

    Hmm, disagree and get attacked. Classic. Thanks. I have been reading this blog for a while. I just rarely post here.

    Remember that person you are chatting with may disagree, but be to polite to get into a political discussion.

    Have a great day,

  33. Anonymous
    October 16, 2011 at 11:15 am

    Nice. A lot of people have their retirement IRAs and funds, stocks on those fairly safe investments. Now our retirement is going to take a hit or disappear when those banks suffer or go under. Don’t think regular people don’t depend on big business doing well. My cousin also could lose her job.

  34. Mitch
    October 16, 2011 at 11:16 am


    Any resident of Humboldt County can open a Provident Credit Union account.

    You can go to their Eureka branch just off W. Henderson Street by Winco ( http://providentcu.org/index.asp?i=branches&search=branch%3DEureka ) or do it online from here: http://providentcu.org/index.asp?i=memberApply

    The banks and million-dollar-CEO-salary credit unions rely on it being too much of a pain-in-the-butt for customers to change. Show them they are no longer going to be able to make that work.

    (I am not affiliated with Provident except as a happy new customer.)

  35. jr
    October 16, 2011 at 11:18 am

    Why was Nov 5th selected to close accounts? That is a Saturday and very few banks and credit unions are open on a Saturday. Do it on Friday, Nov 4th when the banks will be super busy with the first Friday of the month crowd. But keep your B of A or Chase Visa card, but DO NOT carry a balance on it. Make only one charge every month or so and for less than $10.00. It will cost the bank more to process the monthly statement than they made from the $10.00 charge.

  36. October 16, 2011 at 11:21 am

    Yes, the Bank Transfer Day bullet points above say to “Follow your bank’s procedures to close your account before 11/05.”

    That’s what the people in the videos were attempting to do when they were arrested.

  37. Mitch
    October 16, 2011 at 11:21 am

    Anonymous 11:15,

    Your post is classic. Bank and credit union accounts are insured to $250,000 by the federal government. I’m pretty sure most people can arrange to have two separate insured accounts at a single institution, with both being fully insured.

    NOBODY should have more than $500,000 at a single bank or credit union these days. It might have been a trivial risk before, but it’s non-trivial now. If you have $500,000 in your IRA, you can afford to spend ten minutes moving the amount over $500,000 to a different institution.

    The net number of jobs in the financial services industry will not change just because some bank lose business. Unless your cousin is seriously overpaid, he or she can work for a less noxious outfit.

  38. Anonymous
    October 16, 2011 at 11:24 am

    Nice. A lot of people have their retirement IRAs and funds, stocks, etc in B of A and WF. on those fairly safe investments. Now our retirement is going to take a hit or disappear when those banks suffer or go under. Don’t think regular people don’t depend on big business doing well. My cousin also could lose her job.

  39. Plain Jane
    October 16, 2011 at 11:24 am

    There is another option, of course, 11:15. They could announce that they are changing their policies and, instead of donating billions of dollars to politicians to buy deregulation which enriches them and impoverishes us, they will use the money to refinance underwater mortgages, forgive or delay repayment of student loans until the economy improves, lower interest rates or even pay their employees better. Helping them steal our country so your cousin doesn’t lose her job isn’t an option. They used economic terrorism on the entire world so don’t expect any tears if they lose some sleep. Btw, most bank deposits are federally insured so this could be a needed shakeup for the feds (bank and DC) as well.

  40. Plain Jane
    October 16, 2011 at 11:31 am

    A really nice side effect is having lots more money invested locally at reasonable rates and good returns. We don’t need no stinkin Wall Street.

  41. Mitch
    October 16, 2011 at 11:34 am

    Anonymous 11:15,

    Perhaps I misread your post. You talk confusingly about funds and stocks. Perhaps you mean that those who own Bank of America or Citibank stock in their IRAs will suffer losses if people withdraw their funds from those banks? If so, I have to agree.

    My advice would be to sell your Bank of America or Citibank stock, or else work with other shareholders to convince your executives to act in ways that don’t cause people to close their accounts. The latter is unlikely to work. I’d sell.

    If you own mutual funds, you should take a bit more responsibility to know exactly which companies the mutual fund has invested in on your behalf. If the mutual fund company is investing in companies that have become sources of public outrage, you should find out why. If it’s because those companies are profitable, that means you are acting in the spirit of capitalism — you are putting your money at greater risk in hopes of getting a higher return on your investment. You’ve probably benefited from that behavior in the past. If Occupy Wall Street is successful, it’s what is technically known in capitalism as a “risk.” Read your prospectus… isn’t that what they always say?

    Another technical term you ought to acquaint yourself with is “creative destruction.” It’s what the textbooks say capitalism was supposed to have done with banks that bought assets without having a clue as to what they were actually worth. But capitalism in the textbook sense has been dead for some time. What exists now doesn’t yet have a textbook name, but kleptocracy works for me.

  42. Anonymous
    October 16, 2011 at 11:34 am

    You folks are cuckoo for coco puffs. Again, do you think anyone really cares where you bank?

  43. Plain Jane
    October 16, 2011 at 11:37 am

    What do you think about people being beaten up and arrested for having the audacity to try to close their BofA accounts?

  44. October 16, 2011 at 11:38 am

    If BofA, Citibank, Wells Fargo and Chase “don’t care” if you bank there, you probably shouldn’t.

  45. Anonymous
    October 16, 2011 at 11:39 am

    Mitch is giving stock advice? Priceless.

  46. Plain Jane
    October 16, 2011 at 11:39 am

    Do you think people like Domino and Anonymous 11:34 won’t read information provided like the brilliant and 100% factual essay of Joseph Stiglitz linked above because they are willfully ignorant, or is it that they can’t understand it?

  47. Mitch
    October 16, 2011 at 11:44 am


    I try to be polite, and I know I should always be polite. You make it really hard. You make HiFi look like a radical activist, you know.

    When you say things like “the banks were ordered to take the money,” knowing full well how the statement is both narrowly true for some banks and also wildly misleading as to the causes of the TARP bailout, it make me fairly confident that you are either a propagandist for the extreme reactionary right or else extremely stupid. My guess is both.

    Is that rude? I sometimes fail to live up to the standards I try to set for myself.

  48. Plain Jane
    October 16, 2011 at 11:45 am

    I think this is a brilliant way to protest. The over-reaction by the banks and provocation to riot we are seeing with the police brutality on nonviolent protesters is upsetting a lot of people who don’t usually pay much attention. The idea that people are being assaulted and arrested for legal behavior that we all have the right to do – close a bank account for any or no reason – just doesn’t sit well with rational people who believe in the rule of law.

  49. Mitch
    October 16, 2011 at 11:45 am

    Anonymous 11:39,

    How do you think I bought my house?

  50. Woof Blitzer
    October 16, 2011 at 11:49 am

    Mitch 11:44 am


    “…… you are either a propagandist for the extreme reactionary right or else extremely stupid. My guess is both. …..”


  51. jr
    October 16, 2011 at 11:54 am

    Beyond the many reasons for closing accounts at Bank of America, et. al. is the main benefit of keeping your money working locally. Banking with Chase and the other mega banks is like shopping at Wal-Mart; the profits go “out of here” to the corporate office. Even Provident C.U., which has their corporate office in the Bay Area. Better to “bank” with either Coast Central or Redwood Capital Bank as your money stays local. (There is such a thing as the Community Reinvestment Act which requires banks to invest in the communities they serve, but this is more theory and wishful thinking.)

  52. Mitch
    October 16, 2011 at 12:05 pm

    No, jr, this argument is seriously flawed. The service area of a bank includes all the areas where it has customers. If Provident is smart, and they are, they will match their investments to their customer base, and invest in Humboldt County in proportion as Humboldt County does its “banking” with them.

    But, far more important, Coast Central is sucking money out of our general economy and into that of Dean Christensen. Every time Coast Central writes $1,000,000 of mortgages that could have been written more affordably by Provident, it drains $70,000 from homeowners who could otherwise afford to spend that money on hiring local contractors, buying furniture, etc., etc., etc. I suppose Dean dines at Avalon, but other than that, where does a multi-millionaire spend their money locally?

    The typical homeowner is far more likely to spend that $7,000 here than the typical multi-millionaire. Mostly, multi-millionaires just put their money in investments. These days, those investments are mostly overseeing the destruction of the American economy.

  53. Anonymous
    October 16, 2011 at 12:32 pm

    P J. 11:34 here. Stiglitz said that whoever designed the Obama administration’s bank rescue plan is “either in the pocket of the banks or they’re incompetent.

    2009 Bloomberg News.

  54. Mitch
    October 16, 2011 at 12:36 pm

    I don’t think PJ will disagree, Anonymous. President Obama didn’t exactly rush in to dismantle the banks. Goldman Sachs were huge supporters.

    Haven’t you wondered why Americans are fed up with both parties?

  55. Plain Jane
    October 16, 2011 at 12:46 pm

    I don’t think any nominee for Treasury Secretary would be approved by the Senate unless they were sympatico with Wall Street. If Obama had nominated Stiglitz or Krugman, they wouldn’t have been confirmed.

  56. Anonymous
    October 16, 2011 at 12:49 pm

    Bank tellers are also part of the 99%.
    Please don’t be mean to them.

  57. WhatNow
    October 16, 2011 at 12:50 pm

    “Anonymous says:
    “October 16, 2011 at 10:18 am
    Yep folks. Make those arrangements for the auto deposits of your SSI, welfare and teacher blood sucking pension checks and the leave. Most folks don’t give a rats ass.'”

    How would you know?
    You’re not even a mammal.

  58. Anonymous
    October 16, 2011 at 12:52 pm

    Must be nice to know everything P J. How’s that working for you? Queen of economic theory. Queen of political theory. Queen of Mean. Have fun with that.

  59. Plain Jane
    October 16, 2011 at 12:54 pm

    “Anti-intellectualism has been a constant thread winding its way through our political and cultural life, nurtured by the false notion that democracy means that ‘my ignorance is just as good as your knowledge.'”

    Isaac Asimov

  60. Anonymous
    October 16, 2011 at 12:56 pm

    Mitch, can you tell us how many mortgage loans Provident issues in Humboldt County as compared with CCCU?

  61. Plain Jane
    October 16, 2011 at 12:58 pm

    The crowns get heavy and give me headaches sometimes, 12:52, but your responses make it worth the pain. Thanks for your concern and good wishes.

  62. Mitch
    October 16, 2011 at 12:59 pm

    Anonymous 12:49 is absolutely right. There is NO reason and NO excuse for being nasty to bank tellers when closing your account.

    For an impressive example of how to treat tellers, police officers, and other pawns of the current system, just watch Heraldo’s first youtube video up above. (It helps to be a sexy young thing if you plan on telling a cop “you’re awesome.” I just don’t think it would work for me — I might end up in jail. But I’d try to be nice anyway.)

  63. Mitch
    October 16, 2011 at 1:00 pm

    Anonymous 12:56,

    Not enough.

  64. Anonymous
    October 16, 2011 at 1:10 pm

    I watched the video from B of A Santa Cruz. The vidiographer was saying how “cute” is was as they entered the bank with a sign and a video rolling.

    It’s a business. If the two gals would have walked insate down, waited, they could have had their accounts closed. They wanted to, intended to create a scene, a comotion, a confrontation! The the camera stooge started saying it wasn’t right (over and over), then goes outside to try and jack up passersby. These three were (are) just AH’s ! I’l bet none of the three has ever held down a steady job for a year.

    I’m one of the 99% but I know how to act in public and be reasonable while still getting my point view out.

  65. Plain Jane
    October 16, 2011 at 1:21 pm

    Sitting, holding a sign in your lap waiting to close your accounts while a friend video tapes doesn’t cause a commotion. Throwing them out of the bank and locking the doors caused a commotion. At Citibank in NY, they drug people from on the sidewalk to inside the bank and locked them in until the police came and arrested them.

  66. Mitch
    October 16, 2011 at 1:34 pm

    Often, you don’t see the cage door until you try to leave the cage.

    The behavior of the Citibank thug and the NYC police to the extremely polite woman asking to close her account helps make the cage door visible. If only for that, the NYC #OWC group would have my thanks.

    The existing system will not rough you up until it thinks you are a threat. When an extremely polite woman asking to close an account is a threat, that’s really something remarkable.

    In any open-to-all political action, there will be a mix of people. Some of them may be “people trying to stir up trouble.” But most of them will simply be people trying to be heard and make a stand.

    Propagandists will always put the focus on the “people trying to stir up trouble,” in hopes that it will remove visibility from the people trying to be heard and make a stand. In fact, historically, the United States government has sprinkled its own “people trying to stir up trouble” into the activist mix in order to discredit events. For an outfit like Fox News, that’s basically a convenience; they don’t have to hire anyone themselves.

    Anonymous 1:10 may be speaking sincerely. But what I’ve said about propagandists and the government is true. It’s been standard operating procedure forever. Don’t be fooled.

  67. Anonymous
    October 16, 2011 at 2:22 pm

    Wow, you folks are troubled. Very troubled. The more extreme you get, the more you drive the center away. Just an observation.

  68. Eric Kirk
    October 16, 2011 at 2:34 pm

    I would say that technically, the bank manager in the video is guilty of embezzlement (on behalf of “corporate headquarters”) and certainly liable for conversion.

    But no way is that mid-level manager one of the one percent. A one percent lackey maybe.

  69. retired guy
    October 16, 2011 at 3:01 pm

    It’s really quite simple. If you are happy with the situation of 1% doing extremely well, leave your money with the large mega banks. If you feel unhappy with that situation and want to make a statement, move your money to a small local bank or credit union. All this other discussion will not accomplish or change anything or anyones mind. Simple.

  70. Mitch
    October 16, 2011 at 3:04 pm

    retired guy,

    I think you’re right.

  71. Bible Thumper
    October 16, 2011 at 3:05 pm

    Lay up for yourselves treasure in heaven, where moth and rust doth not corrupt, nor where thieves break through and steal, for where you riches are, there will your heart be also.

  72. Mitch
    October 16, 2011 at 3:09 pm

    I’d rather lay up my treasure at Provident then Providence.

    Provident’s federally insured.

  73. Bolithio
    October 16, 2011 at 3:22 pm

    Totally, because you’ll need money in heaven.

  74. October 16, 2011 at 4:13 pm

    There is NOTHING whatsoever that is SPONTANEOUS about this.

    The people who are directing the motion have made that abundantly clear.

  75. Plain Jane
    October 16, 2011 at 4:16 pm

    I received a forwarded e-mail today from a conservative friend today about closing any accounts at BofA over the monthly fee to use a debit card. Different reason, same target. It’s all good.

  76. Plain Jane
    October 16, 2011 at 4:22 pm

    Do tell us who the people are who are directing the motion, Rose, and the purpose for the motion too, if you know.

  77. Mitch
    October 16, 2011 at 4:37 pm

    Rose is too polite to mention the ICC led by Paul Gallegos, but I will:

  78. Plain Jane
    October 16, 2011 at 4:42 pm

    Jeeze! No one told me my bodily fluids were precious so I’ve just been flushing my treasure away.

  79. Mitch
    October 16, 2011 at 4:57 pm

    No, Jane, that was just a clip from Dr. Strangelove. The guy who’s really been coordinating all of this is D. C. Douglas, all because of a grudge against Freedom:

  80. Anonymous
    October 16, 2011 at 4:57 pm

    Eric. If that is embezzlement and conversion then you are a dime store lawyer. That’s plain dumb.

  81. Plain Jane
    October 16, 2011 at 5:21 pm

    Because no one should feel like their money is being stolen just because they are arrested when they try to withdraw it and close their account, 4:57?

  82. jr
    October 16, 2011 at 5:43 pm

    With regard to the ongoing discussions concerning the compensation of the CEO of Coast Central CU, this may be of interest. There are three positions on the Board of Directors and one position on the Supervisory Committee up for election. Nominations close on Oct 26th. Details by calling CCCU at 445-8801, ext 302

  83. jr
    October 16, 2011 at 5:50 pm

    Additionally, those with a desire to switch from banks to credit unions on Nov 5th might do so on Thursday, Oct 20th which is International Credit Union Day.

  84. Mitch
    October 16, 2011 at 5:50 pm


    It’s a nine member board, so it takes at least two elections to gain a majority. Nonetheless, I think this time you provided a good reason for existing CCCU members to leave behind the minimum balance necessary to remain a member when they transfer their money to Provident. I don’t think it takes more than $30 to remain a member, but I can’t be sure. I left CCCU many years ago.

  85. jr
    October 16, 2011 at 6:09 pm

    One must keep $50.00 in the Share Account (S-1).

  86. Anonymous
    October 16, 2011 at 6:20 pm

    Hey P J not because they got arrested but because embezzlement and conversion are crimes with elements and if Eric can’t figure that out then he is a dime store lawyer.

    Btw. I pulled my mainstay out of B of A in 2009. You folks don’t have one original thought among all of you.

  87. Eric Kirk
    October 16, 2011 at 6:22 pm

    Eric. If that is embezzlement and conversion then you are a dime store lawyer. That’s plain dumb.

    Embezzlement is simply the unlawful appropriation of money by anyone in a position of trust responsible for the funds. Conversion is the appropriation of anything which is owned by someone else. The seizure of the finances/property need not be permanent.

    The money is held in trust by that bank, and under the agreement, the money is to be released upon request of the account holder. The request was made and refused, and therefor the property is unlawfully and tortiously held by a party not in lawful ownership of the proceeds.

    Would a DA charge it? Probably not. But technically speaking, the elements are met.

    The elements of conversion are:

    1. the plaintiff’s clear legal ownership or right to possession of the property at the time of the conversion;

    2. the defendant holds the property against the will of the owner, and without legal right to do so;

    3. Damages.

    Conversion is a slam dunk, but the damages aren’t very high if the money wasn’t actually needed by the account holders (causing the loss of a business opportunity, etc.). However, at minimum, they could recover under the doctrine of quantum meruit whatever interest or investment return was made in the 24 hours of non-consensual possession.

  88. Anonymous
    October 16, 2011 at 6:31 pm

    Eric. You don’t know shit from shinola. And P J and mitch getting your econ theory from a mercifully short article in Vanity Fair is pathetic.

    Have a nice day.

  89. Plain Jane
    October 16, 2011 at 6:43 pm

    Because that’s the only information I’ve ever read on economics in my life, 6:31? I guess I should stop reading the work of economic professors and turn to your favorites, Herman Cain’s accountant and Dr. Beck. Your trollish behavior, demonstrated idiocy and compete waste of space here wins the grand prize today, being permanently ignored no matter how much you flame for attention. Congratulations!

  90. Anonymous
    October 16, 2011 at 6:58 pm

    Oh stick it Jane. Just because someone calls bullshit on you they are pro herman cain and glen beck. Bite me troll. What a closed minded shite.

  91. Mitch
    October 16, 2011 at 8:00 pm

    Another heartwarming political discussion at the Herald. Kumbaya to all.

  92. Plain Jane
    October 16, 2011 at 8:08 pm

    I’m sorry Mitch. Some day I’ll grow up and be mature enough to ignore the trolls who just come to insult without adding to the discussion. I really tried to be nice today, but I’m tired and cranky. I’ll try harder tomorrow.

  93. Anonymous
    October 16, 2011 at 8:10 pm

    Agree with 6:58. Also Mitch at 8:00. Jane is a mean troll, listens to nobody except herself and is always convinced she is absolutely and haughtily correct. Kumbaya, Mitch. Hope some people are having a nice evening.

  94. Anonymous
    October 16, 2011 at 8:11 pm

    and I am keeping my accounts in Wells F. They have been incredible to me.

  95. owltotem
    October 16, 2011 at 8:19 pm


  96. Anonymous
    October 16, 2011 at 8:25 pm

    Okay, Jane, another day!

  97. jr
    October 16, 2011 at 8:31 pm

    The Sunday Chronicle has a good column by Robert Reich.

  98. Bubbles and froth
    October 16, 2011 at 8:46 pm

    “If the debt which the banking companies owe be a blessing to anybody, it is to themselves alone, who are realizing a solid interest of eight or ten per cent on it. As to the public, these companies have banished all our gold and silver medium, which, before their institution, we had without interest, which never could have perished in our hands, and would have been our salvation now in the hour of war; instead of which they have given us two hundred million of froth and bubble, on which we are to pay them heavy interest, until it shall vanish into air… We are warranted, then, in affirming that this parody on the principle of ‘a public debt being a public blessing,’ and its mutation into the blessing of private instead of public debts, is as ridiculous as the original principle itself. In both cases, the truth is, that capital may be produced by industry, and accumulated by economy; but jugglers only will propose to create it by legerdemain tricks with paper.” –Thomas Jefferson to John W. Eppes, 1813.

  99. October 16, 2011 at 8:57 pm

    Here is my take away from this blog. All minds are closed, (seemingly on both sides) somehow the fact that the Dems have been in power since 2006 makes no difference.

    I realize that I am a target for you. But try to actually think and look at spending patterns. Congress gets to spend money. Not Presidents. Ms Pelosi spent like a drunken…princess, the crown princess of Baltimore.

    Beyond that, we are all in trouble. We will have no representative next year. But Marin will tell us what to do.

    Enjoy the thread/Blog. I will read but not contribute much. The atmosphere is too ugly.

    Have a great Monday

  100. jr
    October 16, 2011 at 9:30 pm

    Personally, i feel much better now that I have given up all hope.

  101. Bolithio
    October 17, 2011 at 8:09 am

    Domino, what about the Trillion dollars spent on wars since 2001? That had nothing to do with drunken princesses.

  102. Mitch
    October 17, 2011 at 8:16 am

    Bolithio, you fool. That was the Obamination’s fault. (Why bother talking to D21?)

  103. Mitch
    October 17, 2011 at 8:56 am
  104. Plain Jane
    October 17, 2011 at 9:08 am

    From the article Mitch linked, “House Majority Leader Eric Cantor even backtracked from comments he made earlier this month — in which he described the demonstrators as “growing mobs” — on “Fox News Sunday” over the weekend, noting that there is frustration, but that he is still concerned about colleagues who have been quick to jump on their bandwagon.
    “Where I’m most concerned, is we have elected leaders in this town who, frankly, are joining in an effort to blame others rather than focusing on the policies that have brought about the current situation,” he told host Chris Wallace.”

    Because, you know, policies create themselves!

  105. October 17, 2011 at 9:30 am

    FWIW, and for your entertainment, a poll regarding who Americans blame most:

  106. Mitch
    October 17, 2011 at 9:37 am

    So, Fred, you’re saying Americans blame tweedledee more than tweedledum?

  107. Plain Jane
    October 17, 2011 at 9:39 am

    I hope they aren’t planning on having SCOTUS declare policy personhood!

  108. Plain Jane
    October 17, 2011 at 9:41 am

    I’ll trust the polls of news organizations over those who poll for businesses and politicians with questions carefully framed to give the result requested. No bias there, I’m sure. HA!

  109. Plain Jane
    October 17, 2011 at 9:43 am

    No kidding Mitch. It’s like asking who do you blame more for a murder, the person who pulled the trigger or the person who hired the hit man.

  110. Down the Road
    October 17, 2011 at 9:53 am

    I would like to see the public boycott any business or institution
    that out source jobs to foreign countries. That would include
    the Dish network, lending institutions and a host of other businesses. I hated talking about personal business to an employee whose English is questionable and who has all my
    personal information. I closed all accounts that out source.

  111. Plain Jane
    October 17, 2011 at 9:58 am

    Has anyone looked at the actual poll that The Hill is reporting on?

    Very confusing. Their percentages of different demographics add up to MUCH greater than 100%. Can someone explain this?

  112. High Finance
    October 17, 2011 at 10:05 am

    Mitch, 7.09pm on the 16th. You moved your accounts to an out of the area credit union ? Weren’t you one of those who said to shop local ? Redwood Capital Bank and Coast Central are both local entities.

  113. October 17, 2011 at 10:08 am

    So, Fred, you’re saying Americans blame tweedledee more than tweedledum?.

    I wasn’t trying to say anything. I just posted the link to the poll here for your entertainment, if nothing else. Make what you want of it.

  114. Mitch
    October 17, 2011 at 10:27 am


    You haven’t read the whole thread, have you? Coast Central drains about $70,000 out of the local economy for every $1,000,000 in mortgages it writes. by failing to offer competitive rates. I suppose some of that money comes back into the area to pay for advertising that prevents people from getting a better deal.

    The more money is accumulated by a very few wealthy people, as opposed to being kept by a wide variety of homeowners, the less money there is in the local economy. The wealthy generally put their money into investments that create jobs in China, not Humboldt.

    Redwood Capital Bank? I don’t know anything about it. Maybe it’s wonderful.

    And Fred, I wasn’t criticizing. I just think it’s funny for the pollster to pretend that Washington and Wall Street are different entities in today’s kleptocracy. They’re just branch offices.

  115. skippy
    October 17, 2011 at 10:31 am

    Fred, your point is relevant. The USA Today/Gallup Poll found that 78% say Wall Street bears a great deal or a fair amount of the blame. That figure is 87% for the government. They appear nearly intertwined, don’t they?

    The majority of politicians entering Congress are the 1%. They are funded, lobbied, and sponsored by the 1%. When they leave office they expect to be offered jobs by the 1%.

    Jane also pointed out the pesky relationship between the two earlier: lobbyists. Between these 3 entities, who best represents your/our interests?

  116. anonymous
    October 17, 2011 at 10:43 am

    “Now our retirement is going to take a hit or disappear when those banks suffer or go under.”

    Ask yourself why did you trust those banks to begin with? Because everybody else was also being convinved to trust them? Surprise! You all got suckered in a big way. That’s what you get for shaking hands with the status quo. Recorded history goes back plenty far enough to proove our corporate government’s word isn’t worth the paper it’s printed on.

  117. Me
    October 17, 2011 at 10:51 am

    I’ll bet that most banks or Credit Unions would have an issue with someone coming in and videotaping the interior of their institutions. I’m not saying they handled it right but it was pretty clear the folks in the first video weren’t there just to close their account.

    I’ve closed accounts at several places over the years. Usually all you will get is a question of why. The strangest was with old Humboldt Bank. I had been there for years and they didn’t say a word when I closed three accounts in one day. Confirmed my suspicions that they really didn’t care.

  118. anonymous
    October 17, 2011 at 10:54 am

    …and to that extent, i agree with the jist of mitch’s post above about “local” banks and credit unions as well. Money is a pyramid scheme to begin with. Banks and credit unions pool scammers on one side of their counter while suckers line up on the other. It’s considered good business to rip people off as much as possible in this country when the paperwork is on your side.

    Local money handlers aren’t even polishing their perks to assist this pseudo-exodus. Instead, they’ve all been changing their policies right along with the big banks to squeeze every nickel possible out of their customers with increasing fees, no more free checking, etc.

    Money is a ripoff.

  119. anonymous
    October 17, 2011 at 10:58 am

    …but don’t get me wrong, i’m all for people withdrawing their money en masse. CHAOS! BRINGIT!

  120. Bolithio
    October 17, 2011 at 12:15 pm


    You obviously dont have kids!

  121. Eric Kirk
    October 17, 2011 at 2:00 pm

    Eric. You don’t know shit from shinola.

    Gee. Good argument. By Tea Party standards anyway.

  122. Ross Rowley
    October 17, 2011 at 3:34 pm

    Mitch, Concerning your theory of Coast Central Credit Union’s money leaving the local area, you said, “I suppose some of that money comes back into the area to pay for advertising that prevents people from getting a better deal.”

    Mitch, I don’t understand that comment. Can you elaborate? I’m don’t understand how advertising one’s business prevents someone from getting a better deal?

    I’m not trying to be antagonistic toward you, really. I’m just trying to understand your beliefs.

  123. Anonymous
    October 17, 2011 at 4:24 pm

    10:43 I never said I didn’t or shouldn’t have trusted those banks. Actually, my stock has remained fairly stable at WF, Bank of A, and I have retirement accounts in a couple of those dreaded big banks. I also bank at local ones. Sometimes you don’t have a choice about where your company has your retirement invested, and are just lucky to have a little put away.

  124. Plain Jane
    October 17, 2011 at 4:56 pm

    There’s an interesting video at this link:


  125. Mitch
    October 17, 2011 at 5:35 pm


    Thanks for the question. Let’s say Bank A offers a 30 year mortgage at 4% and Bank B offers a 30 year mortgage at 5%. Other than the rate difference, the mortgages are identical.

    Few people knowing of both mortgages will choose to pay the higher rate. But many people will not bother to investigate; many of these people will go with the first bank they are familiar with, and they will be familiar with the bank that does the most advertising or publicity. (If people realized how much of a cost difference there was between a 4% mortgage and a 5% mortgage, things might be different but, fortunately for Bank B, many people do not realize what a substantial difference this 1% makes.)

    So there are two alternative ways in which banks can make money: they can invest in advertising and publicity, and pay for it with higher rates, or they can choose to offer low rates and restrict their potential client base to those who are willing to put in a bit of independent research.

    A bank that wanted to offer its clients the best possible deal would probably go with the lower rate; a bank that wanted to make the most possible moment would look for the sweet spot at which profits were maximized. Credit unions are supposed to be like the former, not the latter.

    I think both approaches are common, not just in banking but throughout modern capitalism. Some companies put together rock solid, reliable products. Others put together crap, but spend a great deal on advertising campaigns to associate their crap with feelings of success and happiness. Some put together rock solid, reliable products AND invest in the ad campaigns, and some put together crap and don’t advertise it. Three of those four approaches have the potential to work, but one offers the most real benefit to the wider community.

    You can see the same thing with soft drinks and bottled water. There is no reason for one, and only the most dubious of reasons for the other. But by investing in advertising, a company can charge a buck for 12 ounces of sugar water, when few people would seriously think of dumping a nickel’s worth of sugar into cold water and thrilling to being a member of the Sugar Generation (TM).


  126. Anonymous
    October 17, 2011 at 5:38 pm

    Didn’t see much in the world of mass exiting of banks.

  127. Mitch
    October 17, 2011 at 5:40 pm


    Let me add that I’d be genuinely interested in hearing your response to this argument. I realize that my views on advertising are atypical — I think in most cases it is a destructive parasite on its host economy. It saddens me to see so many creative people diverted from art to peddling shit.

  128. October 17, 2011 at 5:58 pm

    Regardless what happens on Nov. 5; the whole scheme is run on confidence, and confidence is slipping away.

  129. Anonymous
    October 17, 2011 at 7:56 pm

    But Eric, you don’t know shit from shinola and I am a democrat. But I do think progs are nuts. Don’t confuse my opinion of your bad lawyering with politics since I have nothing to do with anything tea party. Does everyone who disagrees with you get auto dumped to Teapartyville. If so that’s so very small of you. Are you channeling Sean Penn?

  130. Mitch
    October 17, 2011 at 8:14 pm


    As always, thank you for your contribution.

  131. Percy
    October 17, 2011 at 11:21 pm

    If Anonymous 7:56 is calling himself a democrat then pigs can surely fly and it’s time for me to re-evaluate my affiliation. I guess you can call yourself anything you want, but your post or posts (can’t tell because you don’t distinguish yourself from the other anonimi) leads me to speculate you must be from the a-hole wing of the dems, don’t know shit from shinola either and might be doing a little channeling yourself.

  132. October 18, 2011 at 6:21 am

    I “bank” with a credit union, but if I was at a big bank, I’d be yanking the funds. Spreading the word on it now, too. Brilliant. Hit them where it hurts. “Trash a bank if you got real balls.” -Dead Kennedys. I don’t think this is quite what the band meant, but it works … better.

  133. Anonymous
    October 18, 2011 at 7:54 am

    Percy, you are under the misguided belief that all democrats agree with you, and probably also that all republicans are people you wouldn’t like or disagree with you.

  134. October 18, 2011 at 1:00 pm
  135. Plain Jane
    October 18, 2011 at 1:11 pm

    From H’s link, “”This is the biggest grass-roots reaction that we’ve seen from the financial crisis yet,” said Anne Stuhldreher, a senior fellow at the New America Foundation, a nonpartisan public policy institute.

    “A lot of people have been waiting for something and wondering why something like this hasn’t happened sooner,” she said.”

    EXACTLY!! An easy, personally beneficial action that demonstrates just how many people really are pissed off, no push polls required, that they can’t ignore or deny and they know it. The orchestrated ridicule of OWS is whistling past the graveyard.

  136. Eric Kirk
    October 18, 2011 at 1:29 pm

    But Eric, you don’t know shit from shinola and I am a democrat. But I do think progs are nuts. Don’t confuse my opinion of your bad lawyering with politics since I have nothing to do with anything tea party. Does everyone who disagrees with you get auto dumped to Teapartyville. If so that’s so very small of you. Are you channeling Sean Penn?

    No, just marveling at your analytical prowess.

  137. October 19, 2011 at 12:35 pm

    Here’s the My Word I was waiting for the TS to run, which they finally did today:

    Time to consider a municipal bank

    Richard Salzman/for The Times Standard

    Ten days into the Occupy Wall Street protests, I wrote a letter to the editor complaining about the lack of mainstream media coverage. By the time that letter was printed, they finally got to the story, to their credit.

    There are now “Occupy” actions taking place in 1,482 cities across the country (as tracked at OccupyTogether.org), including in my own town of Arcata in Humboldt County, California.

    Surprisingly, even as the media has covered the story, many in the mainstream press seem mystified by the motives and/or lack of cohesive message. Does “people’s needs, not corporate greed” explain it?

    San Francisco Supervisor John Avalos, a mayoral candidate, wants his City Hall to pull its money out of corporate financial institutions and start a municipal bank “so we can control how we are investing in local businesses.” I hope Humboldt County will also consider that option.

    Long ago, I pulled my money from a big bank and put it into a local credit union. Then, it was recently publicized that the CEO of my small “nonprofit” credit union was taking home just shy of $1 million a year in compensation (making the $160K that our county administrative officer earns seem pretty reasonable). I’m sure people would love to put their money in a county-owned bank whose CEO doesn’t get $1 million (see publicbankinginstitute.org for more on this subject).

    Here are six more excellent ideas taken from Sens. Bernie Sanders and Matt Taibbi, writing in Rolling Stone magazine:

    1. Break’em up. If a financial institution is too big to fail, it’s too big to exist. Start with repeal of the Gramm-Leach-Bliley Act and mandate the separation of insurance, investment and commercial banks.

    2. Pay for bailouts. A Wall Street speculation fee on credit default swaps, derivatives, stock options and futures would both pay for the bailouts and do plenty to fight the deficits.

    3. Cap credit card interest rates, end usury. Citigroup, Bank of America, and JP Chase should not be permitted to charge 25 to 30 percent interest when they received over $4 trillion in loans from us.

    4. Tax hedge-fund gamblers. Repeal the carried-interest tax break, which taxes hedge-fund titans only 15 percent on their income.

    5. The Federal Reserve needs to provide small businesses in America with the same low-interest loans it gave to foreign banks.

    6. Stop Wall Street oil speculators from artificially increasing gasoline and heating oil prices.

    Richard Salzman, who lives in Arcata, works as an illustrators’ rep and political consultant.


  138. jr
    October 19, 2011 at 2:38 pm

    We could also create a Community Development Financial Institution which lends for business start-ups rather than making consumer loads. Joe Nocera’s column in the Tuesday Oct 18 NY Times describes how such institutions work. If you do an internet search for CDFI you will see that the Santa Cruz Community Credit Union is such a institution as is Arcata Economic Development Corp and the Del Norte EDC, but neither of these institutions operate like a bank or credit union by inviting people to become a member and do their “banking” with them. With the Santa Cruiz credit union, those that are members know that their money goes toward helping people establish and grow their business. We need this type of a credit union here.

  139. The Big Picture
    October 20, 2011 at 3:38 pm

    The U.S. has been pressuring Japan for decades to privatize its banks. Japan survived better than most in the collapse because they own their own debt.

    How many times has this been reported in the so-called “liberal press”?

    We need a “Bank of the U.S.” willing to ban speculation, regain some accountability, and provide patriotic Americans a place to invest their hard-earned money.

  140. Mitch
    October 21, 2011 at 10:59 am

    Funny: http://bankerspank.com (you have to scroll down for the video, but it starts automatically).

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