Leapdragon 2016 - Aron Hsiao Was Here

i hate capital  §

Bankers are evil, evil people. I’m not rich right now. I wait for two weeks for a $350 check that I earned through hard temping. I’m trying to pay bills. I deposit the check. I pay bills. Rather then process the deposit first, my bank processes the bills first, then the deposit later the same day, even though I physically made the deposit first, and they paid the transactions. The result: 25% (one fourth) of my check went to overdraft and cycle fees against a deposit made on the same day as the bills I paid later, that they paid out on rather than deny due to lack of funds. But of course their interests are not served by such logic.

They hold onto deposits until the end of the day, once they know you’ve got money coming into your account and they know any new charges are covered, to see if they can get you on overdrafts and then process the deposit at the end of the day. If I haven’t made a deposit, they just deny transactions (insufficient funds), but if I have, they’re happy to process it as late as they possibly can and in the meantime to pay out on every transaction, racking up overdraft fees over and over in the meantime. And of course it’s all legal.

These people need to be shot. They need to be ass-raped with a 1/2″ drill bit, then shot. They are the reason the revolutionaries put people against the wall, then gouge their eyes out with unsharpened pencils, then trim their ears with scissors, then drain their blood through a puncture directly through the chest and into the heart made with a rusty coat hanger.

leapdragon says:

The problem with credit unions is: where the hell do you make a deposit? I’m a member of the University of Utah credit union. But they’re in Utah. In the last year I’ve made deposits in Chicago, Las Vegas, Portland, San Francisco, Santa Barbara, and Los Angeles.

Since I don’t have an employer (I’m a freelancer), I get paid in checks and can’t do direct deposit most of the time.

Unfortunately, credit unions don’t have branch offices outside their local areas, or ATMs. So if I don’t have bank accounts on fairly national banks, I can’t get my money out of checks unless I go all the way back to Utah and deposit.

Wells Fucking Fargo did this to me, worst bank in the world. But I owe them money so I can’t close my account, and in the meantime they have offices all over the western U.S., so it’s too fucking easy to take the checks I get (wherever I get them) and drive fourteen feet to the nearest ATM or branch to deposit.

I wish there were national credit unions. I thought UAW might be able to help me out with that, but it wasn’t. What’s the good in being a UAW member if you can’t even get national credit union services out of it? I mean, it’s UAW, for chrissakes!

What about AFL-CIO, you say?


What’s happened to our unions? No credit institutions, no health insurance, no legal services, are they anything more than a club anymore? I continue to pay my dues, but jesus, I wish we could return to the strength that we had sixty years ago.

aqueous says:

You don’t credit union? Please don’t tell me this was a credit union that did this to you.

Credit unions, of the people, by the people and for the people. For real. Not like the U.S. gov that’s for the corporations.

I love my credit union. I’ve never had a bank account in my life.