[GPSCC-chat] End banks deathgrip on your money

[John Thielking]

Drew,

With all due respect I am proof positive that not just anyone can get a
checking account with just any credit union. I got turned down by Tech CU
because they said I had a "derogatory" Chex Systems report. When I ordered
my "report" and score it had very little in it. It had an item for my
ordering checks from Chase and an item for my opening an account with
Citibank.  Nothing else. Not even a report of my 2 overdrafts with Chase.
My "score" (which cost me $10 to obtain) was some 760+ out of a possible
999. I hope you are right in that literally anyone can get an account at
Meriwest.  I would try them too, but since I'm moving to Eugene in June I'm
planning to try to open an account with a local credit union when I get
there.  I hope you aren't simply being insulted by my use of the word
"bank" when I attempt to make a groundbreaking suggestion about how all
online accounts weather at a credit union or a bank can be made inherently
secure, instead of the default for the current system of online banking,
er, I mean online credit unioning which to the best of my knowledge is
inherently insecure. Do you know if your credit union offers you the option
to set up your online access to your account so that you can only view your
account balance and transaction history and not be able to transfer funds?
Is this set up only available by walking into a branch and setting it up
(and can't be switched back and forth online between no funds transfer
available and funds transfer available?) If they do that, that's great. I
would hope to find a CU like that in Eugene. Then I can set all my
passwords that I use on the Internet (except for my bitcoin exchange
password) to literally be what I have heard on the news is most often used
by everyone else, ie "password" or "123456789" and I would never lose a
penny due to ID theft online, at least so long as https remains secure and
my credit card numbers are safe.. That is what I call an "inherently
secure" account. If I can't find a CU that offers that feature for an
online account, then my previous comments stand about wanting to do a
community project where someone we know (or heaven forbid, us ourselves)
programs a new type of User Interface that, if you really insist, only CU's
can use so they can knock Banks flat on their asses by stealing all of
their customers due to the CU's superior security for the new limited
access accounts for online credit unioning.  Let's do this thing and stop
bickering over when it is not OK to use the term "bank" in a conversation,
or whatever else it was that was ticking you off just now.  You are right!
Green is GO! Go get 'em baby!

John Thielking


On Sun, Apr 13, 2014 at 7:11 AM, Drew <rainbeaufriend at riseup.net> wrote:

> This is not just my "preference" -- banks are designed to be leaches
> whereas credit unions are designed from the start to provide service to
> their members. The Occupy Movement realized this fact and thankfully more
> and more are moving their money away from the capitalist engines of world
> destruction (ie. banks) to engines of empowering the people.
>
> No senior in Santa Clara County need be stuck with Comerica since for just
> one example, Meriwest Credit Union is open to any resident of this county.
> Credit unions have expanded their coverage this way all over the country so
> most people are covered and need not fund the capitalist death machine via
> banks.
>
> Green is union!
>
> Drew
> --
> Sent from my Android device with K-9 Mail. Please excuse my brevity.
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