<div dir="ltr"><div>I went to Meriwest's web site (<a href="http://www.meriwest.com">www.meriwest.com</a>) and it does appear that they at least offer online e-statements of your transaction history without having to log in to or enable online banking. If the e-statements get updated more than once per month or if certain features of online banking can be disabled then it seems we have a winner. I will visit them on Monday to find out more. Thanks Drew.<br>
<br></div>John Thielking<br></div><div class="gmail_extra"><br><br><div class="gmail_quote">On Sun, Apr 13, 2014 at 9:06 AM, Spencer Graves <span dir="ltr"><<a href="mailto:spencer.graves@structuremonitoring.com" target="_blank">spencer.graves@structuremonitoring.com</a>></span> wrote:<br>
<blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
<div bgcolor="#FFFFFF" text="#000000">
<div>Credit unions are officially
cooperatives. However, how many credit unions have members who
actually exercise effective oversight of the senior management?
Without that, credit unions can be managed by and for the benefit
of their senior management, just like private companies. After
spending a year studying alternatives, my wife and I moved from
Wells Fargo to Provident in March 2011. Last year, I asked about
their member meetings: They have an obligatory membership meeting
once a year -- in Los Angeles. I'd have to work to learn more
about how they manage things, and I decided (correctly or
incorrectly) that I would be better off spending my time
elsewhere. Spencer <br><div><div class="h5">
<br>
<br>
On 4/13/2014 8:29 AM, John Thielking wrote:<br>
</div></div></div><div><div class="h5">
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<div dir="ltr">
<div>
<div>Drew,<br>
<br>
</div>
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!<br>
<br>
</div>
John Thielking<br>
</div>
<div class="gmail_extra"><br>
<br>
<div class="gmail_quote">On Sun, Apr 13, 2014 at 7:11 AM, Drew <span dir="ltr"><<a href="mailto:rainbeaufriend@riseup.net" target="_blank">rainbeaufriend@riseup.net</a>></span>
wrote:<br>
<blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">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.<br>
<br>
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.<br>
<br>
Green is union!<span><font color="#888888"><br>
<br>
Drew<br>
-- <br>
Sent from my Android device with K-9 Mail. Please excuse
my brevity.</font></span><br>
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</blockquote>
</div>
<br>
</div>
</blockquote>
<br>
</div></div><span class="HOEnZb"><font color="#888888"><pre cols="72">--
Spencer Graves, PE, PhD
President and Chief Technology Officer
Structure Inspection and Monitoring, Inc.
751 Emerson Ct.
San José, CA 95126
ph: <a href="tel:408-655-4567" value="+14086554567" target="_blank">408-655-4567</a>
web: <a href="http://www.structuremonitoring.com" target="_blank">www.structuremonitoring.com</a>
</pre>
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