re: #403 marjoriemoon

hehe I’m no fan of BoA, but who is better? I started with Citicorp, bought by Citibank and they sucked. I went to Chase and they sucked. I ended up with BoA because of convenience because basically, they all suck.

Every holiday I watch “It’s a Wonderful Life” and imagine a time only my parents knew. When a bank cared about you.

When I was a kid growing up in the 70’s, we weren’t exactly dirt poor, but we were reasonably far down the economic ladder.

There were several times when my mom had to float a check so that there’d be food on the table.

We’d get a phone call from Mrs. O. at the bank — at the time owned and operated by Mainers — letting my mom know that she didn’t have enough money in the checking account to cover the check. Mrs. O. would invariably offer to hold the check, and as long as my mom could make it in within a day or two to make good, there would be no overdraft charge.

I suppose in today’s economy overdraft protection serves the same function, but if your credit rating is less than desirable and you don’t qualify for overdraft protection, you could wind up eating a lot of overdraft fees should your economic situation be similar to what ours was back then.