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H.R. 3745, Putting All of a Credit Union’s Eggs in the Collection Basket

There’s a saying that’s popular among credit unions: “not for profit, not for charity, but for service.” Most people know that credit unions are non-profit organizations that return all their proceeds to members, distinguishing them from banks, institutions whose goal is to extract profit from members as much possible. But credit unions are not supposed [...]

Credit Union and Bank Deposit Holds: Fight Back With Mr. Truth

Over the past year, I have three times received an out-of-state check for more than $5,000. Yes, very lucky of me, I know! Sadly, it’s not typical for my monthly income, but those little blips upward have been nice. Ish.

I have to add that “ish” because on those occasions when my monthly income check [...]

Why Not Just Open a New Bank or Credit Union?

Can someone help me understand this?

If the whole goal of this $700 Billion bailout is to forestall the failure of big lenders, which

* wouldn’t be a problem for the deposits of any but the most ultrawealthy, since those deposits are already federally insured, * but would dry up sources of lending, which “Main [...]