Can we bank on banks?
Reader poll
To learn more
The Internet offers a wealth of information on financial institutions and their health.
Not surprisingly, some of it is good; some of it is not.
Here are a few resources generally considered reliable that consumers can use to check the health of banks, thrifts and credit unions:
-- BauerFinancial has been analyzing and reporting on the financial condition of the nation’s banking industry since 1983. Visit bauerfinancial.com and click on “Bank Star Ratings” or “Credit Union Star Ratings” on the left.
-- Bankrate.com has evolved since its founding in 1976 to become one of the Web’s top gatherers of financial data. Visit bankrate.com and click on “Safe & Sound,” which measures and rates the strength of 17,000 institutions. It’s on the left side of the page, about halfway down.
-- Banktracker is the product of the Investigative Reporting Workshop, a professional journalism center in the School of Communication at American University. Visit banktracker.investigativereportingworkshop.org and follow the links on the right for banks, credit unions, the failed bank lists and recipients of money from the federal Troubled Asset Relief Program.
-- Federal Deposit Insurance Corp. Visit fdic.gov.
-- Office of the Comptroller of the Currency charters, regulates and supervises all national banks. Visit occ.gov.
Photo
The Wisconsin Office of Credit Unions in September closed the Beloit-based First American Credit Union. The National Credit Union Administration was appointed liquidating agent and quickly signed an agreement with First Community Federal Credit Union of Parchment, Mich., to buy First American, which operates this branch at 2525 Milton Ave. in Janesville. Since the takeover, members have not experienced any interruptions in service.
Photo
Photo
JANESVILLE — Fridays have been busier this year at banks around the country, and not in a good way.
At a pace that’s already eclipsed that of a year ago, federal officials have swooped in and shut down banks from coast to coast.
On a recent Friday in September, representatives of the federal Office of Thrift Supervision closed Maritime Savings Bank in West Allis.
Since the recession began in late 2007, Maritime was the fourth Wisconsin financial institution seized by regulators. Other closings included the Beloit-based First American Credit Union in August, Racine’s Bank of Elmwood and Prime Financial Credit Union of Cudahy, both in 2009.
The Federal Deposit Insurance Corp. reported 140 bank closings in 2009, a dramatic increase over the 25 that were closed in 2008.
Through Nov. 5 of this year, the feds already had shuttered 143 banks.
Is yours next?
Financial experts suggest you check ratings of a bank of credit union through several free resources. The FDIC suggests two: BauerFinancial and Bankrate.com.
BauerFinancial has been analyzing and reporting on the financial condition of the nation’s banking industry since 1983. Bankrate.com has evolved since its founding in 1976 to become one of the Web’s top gatherers of financial data.
What do those two sources have to say about banks and credit unions doing business in Janesville?
Generally, the health of the local institutions is pretty good.
As in any population, however, there are exceptions.
First American, of course, is an example.
The Wisconsin Office of Credit Unions closed First American, which has a branch in Janesville, on a Tuesday. As the liquidator, the National Credit Union Administration quickly signed an agreement with First Community Federal Credit Union of Parchment, Mich., to take over First American.
BauerFinancial no longer rates First American, while Bankrate.com gives it one star, it’s lowest rating.
Like many other banks and credit unions, First American ran into a problem with bad loans. As of June 30, First American had a “troubled asset ratio” of 158.6, more than 26 times the industry median of 5.9, according to the Investigative Reporting Workshop of the American University School of Communication.
The school compares an institution’s troubled assets—loans more than 60 days past due and real estate acquired by foreclosure—with its capital and loan loss reserves. In the case of First American, the credit union on June 30 had troubled assets of $17 million and capital plus reserves of just $10.7 million.
“Generally speaking, higher values in this ratio indicate that (an institution) is under more stress caused by loans that are not paying as scheduled,” the school said in a footnote.
Two banks with branches in Janesville also are struggling with their troubled assets ratio, according to American University.
AnchorBank’s ratio on June 30 was 136.5, while Evergreen State Bank’s was 107.1.
Any ratio of 100 or higher means the institution’s troubled assets are greater than its capital plus reserves.
Among Janesville banks, Commercial Bank had the lowest ratio, 3.2, well below the national median for banks of 15.
Educational Employees Credit Union, which serves educators in Rock County, dropped its troubled assets ratio from just more than 2 to 0 from March to June.
The ratios of Janesville’s three largest banks—JPMorgan Chase, M&I and Johnson—ranged from 29.3 to 42 and were all above the national median.
The city’s two largest credit unions—Blackhawk and Parker Community—checked in with ratios of 36.5 and 18.9, respectively.
While some industry analysts expect failures to continue—particularly among smaller institutions—a troubled asset ratio doesn’t necessarily predict it.
In some cases, the owners of banks are able to inject additional capital. In others, debtors bring their loans current. In addition, it’s possible that a struggling institution can find a strong merger partner.
In fact, according to the FDIC, most troubled banks eventually recover.
If they don’t, however, the FDIC insures multiple deposit accounts up to $250,000.
“It really doesn’t matter if the bank fails,” said Russ Kashian, an economics professor at UW-Whitewater. “For federally insured banks and credit unions, the FDIC has taken the onus off the depositor as long as their money doesn’t exceed $250,000 in several different accounts.”
J. Michael Collins, faculty director of the Center for Financial Security and a professor at UW-Madison, said that although more banks are failing, he’s not certain consumers are paying any more attention.
“Often, regulators come in on a Friday, and they have a new institution quickly in place to take over,” he said. “Consumers often don’t even know it happened and continue to work with the same people.
“Consumers just need to pay attention that they don’t let their balances creep over that FDIC limit.”
A bank failure, however, does get the attention of shareholders who could see their investment wiped out.
“People shouldn’t own stocks unless they understand what they’re doing or have a reliable financial advisor,” Kashian said. “Banking is an extremely complicated industry, and shareholders need to look beyond the balance sheet to see what’s going on.”
OFFICIALS KEEP EYE ON BANKS WITH LOCAL BRANCHES
Two banks with branches in Janesville have caught the eyes of federal regulators.
One, the Madison-based AnchorBank, recently announced that its third quarter results pushed it above the threshold for what federal regulators consider “adequately capitalized” banks.
The other, the Stoughton-based Evergreen State Bank, is in a much more precarious position.
Evergreen State Bank
With branches in Janesville, Stoughton and Sun Prairie, Evergreen and its parent, First National Bancorp. of Stoughton, have served clients for 111 years.
Under the direction of the Federal Deposit Insurance Corp. and the Wisconsin Department of Financial Institutions, the bank agreed in January to strengthen itself and its loan portfolio, primarily by raising and preserving capital, according to an Oct. 29 letter from CEO James Farrell to shareholders.
“Unfortunately … we continue to face significant economic headwinds which have translated into losses for the bank as our clients have struggled to meet their obligations,” Farrell wrote. “The losses, and their impact on our balance sheet, have prevented us from achieving our capital goals to date.”
Third-quarter loan losses eroded the bank’s capital position to a level the FDIC has deemed “critically undercapitalized,” Farrell wrote.
Farrell said the bank is having trouble raising capital, and two scenarios exist:
-- The company can sell a controlling interest but likely on terms that would dilute shareholders’ interests.
-- The company or bank could be acquired by another institution at a deep discount to book value.
“Unfortunately, given current market conditions and the company’s obligations to its lenders and preferred securities owners, under both of these scenarios the value of the company’s common stock will likely be diminished substantially and may even be rendered worthless,” Farrell wrote.
Farrell stressed that both scenarios would not affect FDIC deposits at the bank.
AnchorBank
The bank sold 15 of its 73 branches in recent months and has been working with federal regulators to improve its financial fitness.
In September, it received conditional approval from its primary regulator, the Office of Thrift Supervision, for a plan to boost capital levels based on two strategies: either obtaining capital from an outside source or generating it from improved in-house operations.
“We are working in a very positive manner with our regulators as we work to improve our capital position, as demonstrated by the OTS’s approval of our capital plan,” Chris Bauer, AnchorBank’s CEO, said at the time.
Bauer added that “any speculation of an imminent action against AnchorBank by the OTS or FDIC resulting in our acquisition by another bank is not only speculation, but speculation which can only be seen as inconsistent with the OTS’s conditional approval of our capital plan and our return to adequately capitalized status.”
Earlier this month, AnchorBank reported third quarter results that showed it was “adequately capitalized” in the eyes of regulators.
In addition, it reported that its third quarter net losses were $1.2 million, a dramatic improvement over the $15.5 million net loss posted in the second quarter.
Nov 23, 2010 at 8:28 p.m.
Suggest removal
Bankerman55, That is the best post on this entire thread. You gotta know if you live in the Rock county area, they love to blame business rather than looking at government's role or worse yet themselves.
Nov 16, 2010 at 6:03 p.m.
Suggest removal
Banks are an amazing business system. They've managed to help an entire society of consumers to spend money they don't actually have, and how to go to bed at night and wake up in the morning, more broke than they were the day before.
Nov 16, 2010 at 1:59 p.m.
Suggest removal
916, what is with this "disconnect"? All I am saying is the economic crisis has affected an abundance of homeowners with large mortgage payments from when the economy was so-so, that they cannot pay now because of the economy; job lose, lower income, divorce, death, etc. I could go on and on. What is so hard about understanding that? I know this article is about banks, but I am just commenting on the HUMAN aspect of the crisis we are in right now with home ownership. TURN ON THE NEWS and you will see. Thank you janesvillean. I have never, ever seen anyone argue with you, sorry about that, hope I didn't cause it.
Nov 16, 2010 at 1:10 p.m.
Suggest removal
Because my house may or might be underwater doesn't have any impact on me right now. I am not selling my house and bought a house I could afford. I can make the monthly payments and do not have an ARM, so I know my payments will remain the same. We have savings and would be able to afford our mortgage if one of us became unemployed. We planned when we bought our house, it shouldn't be my job to bail out those that didn't or were looking to make a quick buck by flipping houses.
Nov 16, 2010 at 12:26 p.m.
Suggest removal
antibrainwash is far closer to the truth than most know. Credit and banking are so misunderstood.
Nov 16, 2010 at 12:19 p.m.
Suggest removal
Janesvillean....Those people did not HAVE to pay those prices for their homes, they CHOSE to pay those prices. Everyone seemed to learn a hard lesson with this that they are having difficultly accepting--not everything appreciates all the time. Cars don't, collectibles don't and now we have learned that houses don't either. The good thing about this from the perspective of someone who is upside down on their mortgage is that they can simply walk away, leaving the bank holding the bag on the loss of value........Your article used as reference was also well over a year old--it's almost 2011, those numbers haven't surfaced......
Nov 16, 2010 at 11:38 a.m.
Suggest removal
BofA CEO to investors: "We'll pay for Countrywide's mistakes" in poorly vetting home loans. (Bank of America absorbed the failed mortgage lender last year.)
http://www.bloomberg.com/news/2010-11-16...
.
Washington Mutual (another failed lender)'s ex-CEO testified before Congress about the culture of "issuing large volumes of poor loans". He was stymied by the self-interest of loan officers who earned commissions on every mortgage.
http://www.dailyfinance.com/story/credit...
.
Nobody is saying that all banks were crooked. The subprime market, where the panic began two years ago, was mostly outside of traditional banks. The collapse of home prices as the bubble burst, however, has drawn in homeowners who were responsible but now find themselves underwater, sometimes with serious financial problems of their own such as unemployment. If there hadn't been a fraud-driven bubble, these people would not have had to pay so much for their homes in the first place. To characterize everyone in this position as having poor financial judgement is to believe that half the country suddenly lost its sensibility (yes, half). That's ludicrous.
http://www.housingwire.com/2009/08/06/de...
Nov 16, 2010 at 8:11 a.m.
Suggest removal
Janesvillean I did read all the mortgage documents we were signing. I requested a copy prior to our closing, so that I could review and understand everything I would be signing. I also bought books and checked books out from the library to research the home buying process. Not too hard to do.
Nov 16, 2010 at 7:51 a.m.
Suggest removal
Personal accountability - Very few have it.
Nov 16, 2010 at 6:49 a.m.
Suggest removal
If people rely on their financial advice from "banks" or "bankers"..... they need to re-evaluate their thought process. That's like a mouse going to a mousetrap to learn about cheese!
Nov 16, 2010 at 4:41 a.m.
Suggest removal
Credit Union should be maintain like banks. They started by a some people that were going to run them local. They sold out to big groups which are wanting to be bankers and not care for the little guy. First Comm in
Beloit and Janesville does payday loans, Tha is not what a Credit Union was started for. Mr Ryan is funded by the banks so he will not seek any law to stop there way of doing business.
Nov 15, 2010 at 11 p.m.
Suggest removal
I have been in banking since 1979. I cannot believe what I have read in some of the posts on this site. Wisconsin Banks historically have been one of the most sound for financial institutions in the country. I would suspect that some of you who got mortgages never went to the bank but rather through a mortgage broker. These people for the most part were crooks like Berney Madoff. They lied on applications regarding incomes that many of you may not have realized because they recieved huge incentives to do so. They put you in mortgages you never understood because you wanted the American Dream of owning a home and the added huge points into the deal that they got a cut of. Plus many used appraisers who inflated the value of the homes that you were buying. There is nothing fraudulent about a mortgage you enter into with a bank. The documents are written by legal experts throughout the trade industries. For those uneducated the issues with most banks today is within their commercial loan portfolios due to the downturn in the economy. Plus the regulatory burden has become enormous. A side note to who commented CNBC is a very liberal social media and I doubt Paul Ryan is their poster boy. For those who want to do their homework study Bill Clinton's second term and his agenda of all Americans deserve to own a home which created the sub-prime market that allowed crooks/cheats and those of you who bought homes you couldn't afford.
Nov 15, 2010 at 8:25 p.m.
Suggest removal
Janesvillean--I think it's a safe bet to say that there are convicted criminals in every occupation on this planet. Once again, we come to the disconnect. These homes are not "ours" until the note is satisfied. You're basically renting from the bank until that happens. There is nothing deceiving about the term "adjustable rate mortgage" Guess what? The rate can adjust! If that's too difficult of a concept for someone to grasp they should have no issue sticking with a conventional 15 or 30 year mortgage. You can make all the demands on government that you want, but you can't regulate common sense. I realize that some people want government to have a place in every decision that is made in our lives, but we really do start to shy away from that mindset and start taking responsiblity for ourselves.....
Nov 15, 2010 at 7:51 p.m.
Suggest removal
janesvillean- Very good post....all true.
....
Sure, there were many "speculators" and others who bought WAY overpriced houses but there are thousands in foreclosure who don't fit that at all.
Nov 15, 2010 at 7:32 p.m.
Suggest removal
916WI, in fact, some people who were already criminals got into the mortgage business because they saw it as easy money -- which for a while, it was.
http://www.jsonline.com/watchdog/watchdo...
http://www.jsonline.com/watchdog/watchdo...
http://www.todaystmj4.com/news/local/455...
http://www.mortgagefraudblog.com/
http://bravenewfilms.org/blog/?p=69320
.
I don't know anyone that wants to do anything but keep paying a mortgage they can afford and stay in their home. It's not about cheating the banks, but the banks are pretty ruthless about things because THE BANKS INVESTED IN REAL ESTATE (by extending mortgages) with just as much reckless risk-taking as the consumers (and unlike the consumers, they employed professionals who should have understood how reckless) and if the bank loses, they just lose money -- they don't lose their home. Most people signing a mortgage will only be doing so for the second or third time in their entire lives. What makes you think you can become an expert in a field that -- especially from the mid-90s on -- was rapidly innovating, with Option ARMs, NINJA loans, and even crazier instruments that even today some experts have trouble seeing the consumer benefit in.
.
I demand the government work for me, the consumer and citizen, and keep this industry well-regulated and safe for the average person, not just the people capable of reading the fine print (you smug ones read all of yours, right?). Banking is not a place for innovation or profit-chasing. It does not exist so that shareholders can reap dividends. It exists to serve the public, and I demand that it do so first and foremost.
.
Banking should not be something that we regard with the same amount of suspicion and alarm as a Nigerian 419 scammer.
Nov 15, 2010 at 6:33 p.m.
Suggest removal
quote- "very few people are given comprehensive financial basics as part of their education". .................TRUE.....
.....
A public school EPIC FAIL that there is NO EXCUSE for.
Nov 15, 2010 at 3:47 p.m.
Suggest removal
It's not the government's responsibility to protect everyone. Consumers need to accept responsibility too. You watch HGTV and it shows teachers buying 700k homes on the west coast. I don't know any teachers that could afford that kind of a home. When we were looking for homes, the bank approved us for way more than we wanted to spend. I wanted a home we could comfortably live in (even if one of us lost our jobs) and not be house poor. So that's what we did. We never looked at a house as a savings account, but as a place to live. People have choices and they need to accept responsiblity for them. If you can't read a contract or understand the basics of buying a home, you shouldn't be buying one.
Nov 15, 2010 at 3:36 p.m.
Suggest removal
Scooter47/Janesvillean......That's the disconnect that we have here. These homes are not "our homes" until the loan that we have promised to make good on is paid in full. It's comical to see people blame the banks and suggest that they absorb the losses caused by the current economic climate. When times were good and people were making $50-100K flipping houses did the banks step in and say--"that's not fair, we're entitled to some of that appreciation"? No--of course not. Now we have the flip side, and were seeing $50-100K of depreciation--now we have people saying that the banks should absorb those losses.......It's just a little bit to hypocritical for me.....As far as relating mortgage marketing to drug pushing--Seriously???? We're bombarded with product marketing every day. People have to stop blaming everybody but themselves for the decisions they make. It is really pathetic to see the lack of personal responsibility that exists in our society today. People want the biggest, best, most expensive right now, but when it comes time to pay the bill, it is ALWAYS everyone else's fault that the payment can't be made........
Nov 15, 2010 at 3:06 p.m.
Suggest removal
Sigma40, you do realize that the primary asset most people own -- their home -- has been declining in value? Even if they had a straight-up fixed rate mortgage? It's nice to pat yourself on the back if you somehow entirely avoided the credit orgy of the last decade, but the way it's marketed is more akin to drug pushing*, and very few people are really given comprehensive financial basics as part of their education.
.
* There was a billboard right here in Janesville until recently that claimed housing values ALWAYS go up, "so call your broker today!".
.
I hope that the limited reforms to the banking and credit industry we've enacted will stay in place to protect consumers from having to make potentially life-changing decisions about instruments they don't understand (quick, what's an Option ARM and what does it do for you?), but the incoming Congress appears hostile to consumer protection, despite having been elected at least in part on anger at bank bailouts.
Nov 15, 2010 at 12:47 p.m.
Suggest removal
Now and again I hear the name Paul Ryan. Who is he, and what does he do?
Nov 15, 2010 at 12:32 p.m.
Suggest removal
Scooter47.... people should learn not to live so far above their means. When a bank owns 75-100% of your assets, or when your bills are close to or excede your income....it is not our economy to blame when failure happens. ITS YOUR POOR MONEY MANAGMENT SKILLS. Its always nice to blame something or someone though.
Nov 15, 2010 at 12:12 p.m.
Suggest removal
916WI, that was not nice calling that poster a loser. Some people have lost their homes because they CANNOT make the payments because of our ECONOMY. Is that so hard to understand? I never pictured you as such a mean poster, now knock it off, will you?
Nov 15, 2010 at 11:55 a.m.
Suggest removal
I dont understand why there are so many banks in Janesville. Just around the woodmans area alone there are like 20.
Nov 15, 2010 at 11:06 a.m.
Suggest removal
Bank Mutual has Bauer rating of 5, 78 offices in Wisconsin, 117 years in business. I find their employees to be friendly and helpful.
Nov 15, 2010 at 10:52 a.m.
Suggest removal
First Community Federal Credit Union (the one that took over First American) has a 5 star rating on Bauer... Gazette - you should really get all the facts before writing an article like this....
Nov 15, 2010 at 9:28 a.m.
Suggest removal
What about First Community Credit Union in Beloit? They have reserves over 12% and are 5 star bauer rated and 4 star bankrate.com rated. They have offices in Janesville and Beloit.
Nov 15, 2010 at 9:01 a.m.
Suggest removal
Blackhawk Community Credit Union charges fees for checking balances via atm, transferring your own money from savings to checking, multiple overdraft charges on a daily basis beginning with large transactions first, then going to smaller transactions already after they've depleted your funds.
By the way Gazette, I read your rules of User Policy Agreement and I have kept it clean, didn't threaten anyone, was nice (looking out for consumors), not harassing, and I was sharing what I know. I was not libeling because it's not a person first of all and it's not false. So, please don't remove my comments or I will be indefinitely canceling my paper subscription today. Thank you
Nov 15, 2010 at 8:46 a.m.
Suggest removal
I bank with Blackhawk Credit Union and don't get charged a monthly fee with my savings account. I have been fairly happy with their customer service. With one exception when we wanted to refinance, the woman never returned phone calls. Plus, when we went to sign the new paperwork, she had rolled the cost of refinancing into the new mortgage when I told her several times I didn't want to do that. We made her correct it and she gave us attitude. Other than that, we have been happy with them.
Nov 15, 2010 at 8:36 a.m.
Suggest removal
That was before I realized the bank does not give Me any of their own money. They steal it from you and give it to Me and they get the house when there is a foreclosure. Doesn't anyone else see a problem with that. Wake up! http://www.youtube.com/watch?v=v0Z7F3hvL... We live in a police state!
Nov 15, 2010 at 6:40 a.m.
Suggest removal
So. Lesson learned here: Pay your loans and your bank will have a better score... In addition, I bet that if your credit is totally shot, switching to a "better score" bank will not be an option. Try getting an account at the new bank first BEFORE you close the old account, if you are concerned. Of course, you ONLY have to be concerned if you have MORE than 250,000 dollars in your account. Never will be a problem for ME. Twerp13, I don't get charged to keep my son's savings account at Blackhawk... I wonder why the difference?
Nov 15, 2010 at 5:21 a.m.
Suggest removal
Antibrainwash.......regardless of a single off the wall court decision that took place 40 years ago, if YOU simply live up to the terms of the contract YOU initiated, the bank would have absolutely no issue letting you stay in the home that they have their money invested in. Now if you're going to be a loser and stop making your payments and attempt to hide behind an inane court decision, they will and should have you removed from their property.......Common sense--don't you think?
Nov 15, 2010 at 4:13 a.m.
Nov 15, 2010 at 1:53 a.m.
Suggest removal
Hey is KAB or a follower posting again?
Nov 15, 2010 at 1:41 a.m.
Suggest removal
As a general rule, if you can shave at least a half point off your current interest rate, it is a good idea to refinance. If you currently have a home mortgage above 7%, the time is now to make a change. Look online for "123 Mortgage Refinance" they gave me the lowest rate than everybody else which is 3.21%.
Nov 14, 2010 at 11:15 p.m.
Suggest removal
hothands - you don't have a clue on what you are talking about. The contract itself is fraud as the bank gives no consideration. Look up "Township of Credit River" decision.
Nov 14, 2010 at 9:29 p.m.
Suggest removal
Strange, I just tried to look up PCCU (Parker Community Credit Union) both ways, and neither of the sites listed in the article here had anything about them. How did the Gazette get these results??
Nov 14, 2010 at 9 p.m.
Suggest removal
antibrainwash, if you pay your mortgage they let you stay there. When you stop paying the payments (which you agreed to in a legal contract) they take the home to pay off your debt. The fact that your home was foreclosed on doesn't mean everyone was ganging up on you, it means didn't hold up your end of the bargain.
Nov 14, 2010 at 8:19 p.m.
Suggest removal
Overpaid union employees that do not know the meaning of customer service. Main worry is how can I screw the system and get away with it..My money will never be at blackhawk..
Nov 14, 2010 at 7:16 p.m.
Suggest removal
I would rather the banks shut down and then we own our homes free and clear since all foreclosures are fraud. I was forced out of My home by a combination of bank, police, sheriff and court pressure - all working for the banksters. http://www.youtube.com/watch?v=v0Z7F3hvL...
Nov 14, 2010 at 7 p.m.
Suggest removal
We have our money at Blackhawk Credit Union and are going to be moving it out of there. Especially now that these surveys have come out regarding their overall financial stability. We have been doing business there for 8 years. They have never been competitive on car loans or home equity loans and they will not match other credit unions rates. Plus their customer service people are less than friendly.
I will take my money back to Landmark Credit Union which is the biggest in the state of Wisconsin. They are competitive in their rates and they are a whole lot friendlier. They seem to appreciate my business whereas Blackhawk does not.
Nov 14, 2010 at 6:51 p.m.
Suggest removal
Banks couldn't spend our money fast enough a few years ago, what with big lavish bank buildings. Talk about spending more than you can afford.
Nov 14, 2010 at 6:35 p.m.
Suggest removal
I closed our account with Blackhawk credit union after they started charging a monthly fee for allowing me to keep a savings account for my daughter...Why should we be charged for the privlege of keeping our money in savings...I could see if it was checking but come on a kids savings account when they don't get money that often to put in ???? Lost my business...closed account and opened one at PCCU
Nov 14, 2010 at 6:09 p.m.
Nov 14, 2010 at 5:52 p.m.
Suggest removal
People can't afford to pay mortgages, and banks can't stay open.
Reminds me of the chicken or the egg,
Before you post a comment, consider this:
Note: GazetteXtra.com does not condone or review every comment. Read more in our User Policy AgreementPost Comment
Commenting requires registration.