Unbanking; Alternative Banking; International Banking; Banking; Insecure Banking; Banksters; Global Banking; Federal Reserve; Goldman Sachs; J.P. Morgan Chase; Bank of America; Other Banks

answers ξ  Have questions about banking or about dealing with banksters?  Send an email, including your name and phone# in your message. No legal advice provided, but someone will respond.


Dear Sir:
I am writing to thank you for bouncing my check with which I endeavored to pay my plumber last month. By my calculations, three nanoseconds must have elapsed between his presenting the check and the arrival in my account of the funds needed to honor it.

I refer, of course, to the automatic monthly deposit of my entire pension, an arrangement which, I admit, has been in place for only eight years.

You are to be commended for seizing that brief window of opportunity, and also for debiting my account $30 by way of penalty for the inconvenience caused to your bank.

My thankfulness springs from the manner in which this incident has caused me to rethink my errant financial ways. I noticed that whereas I personally answer your telephone calls and letters, --- when I try to contact you, I am confronted by the impersonal, overcharging, pre-recorded, faceless entity which your bank has become.

From now on, I, like you, choose only to deal with a flesh-and-blood person.

My mortgage and loan repayments will therefore and hereafter no longer be automatic, but will arrive at your bank, by check, addressed personally and confidentially to an employee at your bank whom you must nominate.

Be aware that it is an OFFENSE under the Postal Act for any other person to open such an envelope.

Please find attached an Application Contact which I require your chosen employee to complete.

I am sorry it runs to eight pages, but in order that I know as much about him or her as your bank knows about me, there is no alternative.

Please note that all copies of his or her medical history must be countersigned by a Notary Public, and the mandatory details of his/her financial situation (income, debts, assets and liabilities) must be accompanied by documented proof.

In due course, at MY convenience, I will issue your employee with a PIN number which he/she must quote in dealings with me.

I regret that it cannot be shorter than 28 digits but, again, I have modeled it on the number of button presses required of me to access my account balance on your phone bank service.

As they say, imitation is the sincerest form of flattery.

Let me level the playing field even further.

When you call me, press buttons as follows:

#1. To make an appointment to see me.
#2. To query a missing payment.
#3. To transfer the call to my living room in case I am there.
#4. To transfer the call to my bedroom in case I am sleeping.
#5. To transfer the call to my toilet in case I am attending to nature.
#6. To transfer the call to my mobile phone if I am not at home.
#7. To leave a message on my computer, a password to access my computer is required. Password will be communicated to you at a later date to that Authorized Contact mentioned earlier.
#8. To return to the main menu and to listen to options 1 through 7 again
#9. To make a general complaint or inquiry. The contact will then be put on hold, pending the attention of my automated answering service.
#10. This is a second reminder to press* for English.

While this may, on occasion, involve a lengthy wait, uplifting music will play for the duration of the call.

Regrettably, but again following your example, I must also levy an establishment fee to cover the setting up of this new arrangement.

May I wish you a happy, if ever so slightly less prosperous New Year?

Your Humble Client

sealonbill 122213-53-47 Banking: Banking; Brown: Dollar Deception: How Banks Secretly Create Money; Cook: What Banks Don't Want You to Know; Grignon: Money as Debt; Bank Ratings, 3/31/08; Basil 3 Compliant, 8/6/9; Federal Reserve Allowing Bailed Out TARP Banks To Restrict Commercial Lending, 11/29/9; National Irish Bank to stop handling cash, 12/22/9; Citigroup Warns Customers It May Refuse To Allow Withdrawals, 2/21/10; Citigroup Says Feds Ordered 7 Day Restriction On Bank Withdrawals; What Are Banks Doing with Their Depositors' Money?, 2/26/10; Citibank needs seven days?, 3/2/10; 7 Questions about public banking, 3/14/10; Imminent Big Bank Death Spiral, 10/27/10;Banksters Economy vs. Mathematically Perfected Economy, 11/15/10; Turn On, Tune In, Drop Out: Break the Banks, 11/17/10; ‘Bank Run 2010' (12/7/10) aims to end ‘criminal, corrupt’ financial system, 11/27/10; Faults of Fractional-Reserve Banking, 12/27/10; Ron Paul: Competing Currencies Can 'End the Fed' Softly, 12/26/10; Monetary Revolution Begins With Competing Currencies, 12/27/10; Opening a renminbi savings account in the US, 1/12/11; Bank Privacy... Not!, 1/24/11; Safe Banking Fantasy, 6/8/11; Jailed for cashing Chase check at Chase bank, 7/6/11; Man Jailed Over Fraudulent Check That Wasn’t Fraudulent, 7/9/11; Seven startling things most people still don't know about the national debt, banking and the money supply, 8/2/11; A Defense of Banks, 9/1/11; Precipitous Reduction in Bank Reserve Requirements, 9/5/11; New Bank Fees Make Being Broke Even More Expensive, 10/5/11; Bank Fees? Let’s Tell the Banksters That We Don’t Want Their Stinking Bank Fees and That We Are Switching Banks, 10/6/11; Best Online Checking Accounts, 10/19/11; Which Bank Is the Worst?, 10/25/11; On Nov. 5th, Move Your Money!, 11/2/11; 650,000 join credit unions as Bank Transfer Day approaches, 11/4/11; Your bank is not safe, 12/21/11; Bankers Want Entire Industry To Become One Giant MF Global, 2/16/12; Nearly 10% of customers switch banks in 2011, 2/27/12; Top five U.S. banks hold over half of industry’s assets, 3/21/12; Landmark Lawsuit by US Home Owners Implicates Obama and Big Banks in Massive Global Laundering Scheme, 5/5/12; Cute Little Girl Who Slams Big Banks For Enslaving The People, 5/17/12; Criminal Banking Cartel's End Game: A 100% Digital Monetary System, 6/8/12; Get Your Money Out: "All Legal Bank Deposit Protections Are Now Officially Gone", 8/13/12; Banks Can Legally Steal Customer Funds From Private Checking Accounts, 8/20/12; 'Shadow Banking' Still Thrives, System Hits $67 Trillion, 11/18/12; Fantasy Politics: On Reforming the Banking System, 1/22/13; Record withdrawals at U.S. banks as Americans lose trust in financial system, 1/31/13; Americans Withdrawal 114 Billion In One Week From US Banks , Most Since 9/11, 1/31/13; Evil New Rules Have Made Banks Refuse To Serve Poor People, 2/18/13; Cyprus Deal and the Unraveling of Fractional-Reserve Banking, 3/30/13; Cheapest Way to Rob Bank Seen in Cyber Attack Like Hustle, 5/5/13; Feds in NYC: Hackers Stole $45M in ATM Card Breach, 5/9/13; BANCORRUPTCY, 5/31/13; 6 Unbelievable Ways the Big Banks Are Scamming You, 6/19/13; Meet the Big Banks’ Latest Slave Product: “Payroll Debit Cards”, 7/2/13; Wall Street Banks Extract Enormous Fees From The Paychecks Of Millions Of American Workers, 7/3/13; US judge strikes Federal Reserve rule setting 24-cent cap on debit-card transaction fees, 7/31/13; Banks of Tomorrow: Think Google and Facebook, 8/22/13; Public Banking Institute Calls Largest Wall Street Banks “Unsafe,” and Backs It Up, 8/29/13; ‘Bank account’ – private vs public and “Inter Vivos Will and Testament” and “Trust” law, 9/3/13; Why Your Employer Really Wants To Pay You With A Prepaid Debit Card, 9/13/13; Too Big To Fail Banks are Now Bigger Than Ever Before - Get Your Money Out, 9/23/13; Banks are stockpiling cash ahead of anticipated financial panic, 10/10/13; US banks are told to be prepared for 30-day crisis, 10/25/13; US Bank Customers to Pay for Deposits if ‘Easy Money’ Fades Away, 11/25/13; US banks may soon begin charging customers to deposit money, 12/5/13; Small Banks Disappear - So Do Loans to Small Businesses, 12/12/13; Push of a Button: This Is How Fast They Can Lock Down the Entire Banking System, 12/24/13; Since 2000, There are 29% More Big Banks and 24% Fewer Small Banks, 2/25/14; Top 10 Signs that Reveal Mounting Panic in the World Banking System, 3/1/14; Top Things Banks Don't Want You to Know - scroll down, 3/14; Is Banking a Form of Slavery?, 4/21/14; Biggest Secret About Banking Has Just Gone Mainstream, 4/28/14; U.S. Banks Preparing to Charge Customers For Deposits, 6/6/14; Don’t Confuse Capitalism With Fractional-Reserve Banking, 8/8/14; Everything That's Wrong With Banking Summed Up In One Bonehead Advertisement, 9/5/14; Eve Of Another Banking Collapse, 12/2/14; NIRP Arrives In The US: TBTF Banks Tell Customers To Move Their Cash Or Be Charged Fees, 12/8/14; Are We Headed into Fascism?, 1/10/15; Feds Urge Banks to Call Cops on Customers Who Withdraw $5,000 or More, 3/24/15; Negative interest begins: U.S. banks begin charging customers to hold their deposits, 3/26/15; Tech Upended Banks and Stock Trading - Insurance Is Next, 7/1/15; WAR ON CASH: Banks to start charging for cash deposits, 10/30/15; Mapped: Negative central bank interest rates now herald new danger for the world, 2/15/16; One bank CEO outlines what will happen to your bank account if the Fed takes interest rates negative, 2/26/16; “Why are Zero Interest Rates Bad?, 2/27/16; MONEY is DEBT - the BANKING SCAM REVEALED, 6/6/16; Why record low interest rates are a cause for alarm, not celebration, 6/11/16; Four alternatives to holding your savings in a bank, 6/10/16; Savers fear negative interest rates as Natwest warns businesses might have to pay to hold cash, 7/25/16; Three ways the banks are scamming you, 9/16/16; Fielding My Grandson’s Questions About Gold and Banking, 1/19/17; Why Fractional-Reserve Banking Would Be Limited in an Unhampered Market, 1/23/17; Financial Martial Law, 7/15/17; How to Take Your Money Out of the Bank Without Going to Jail, 7/21/17

Operation Choke Point: Acts of financial terrorism against American small businesses exposed, 8/27/15; Obama’s Operation Choke Point: “Unbridled Abuse Of Executive Power Operating Completely Outside Of The Rule Of Law”, 8/12/16

Fintech: Fintech could be bigger than ATMs, PayPal, and Bitcoin combined, 8/26/16; J.P. Morgan Chase Makes Huge Investment Into Fintech, 10/27/18

Insecure Banking

How ANY Transaction With A Bank Will ROB YOU INTO Poverty- Yes, ANY Transaction, From Your Deposits To Your Loans- The "Laws" Have "Changed", 7/27/18

snakebank dd79-66 Bank Runs: Yippee! More Bank Runs in Our Future, 6/10/13; Are HSBC & JP Morgan Chase Showing Signs of a Coming Bank Run?, 1/27/14; Bank Run Fears Escalate as Russian Lender Bans Cash Withdrawals, 1/28/14; How to evaluate if your bank is safe, and what to do if it’s not, 12/18/14; Financial Elites Fear Provoking Bank Runs, 6/3/15; Run Begins: Deutsche Bank Hedge Fund Clients Withdraw Excess Cash, 9/29/16

Bank Holiday?: Bankster “Holiday” Planned for September?, 6/22/9; Bank Holiday (shutdown) in the Works, 7/26/9; Hawk: No Picnic; Bank Holiday Rumors Swirl Amidst Currency Crisis, 11/5/10; Internet Abuzz as ATMs Stop Working – Prelude to a Bank Holiday Suspected, 11/11/10; Imminent?, 3/16/11; Banking Drill Feb. 15 & 16, 2/6/14; Federal Reserve Issues Warning, Bank Drills, Possible False Flag, 2/6/14

Vulnerable Bank Accounts: Americans Should Worry About Bank Deposits if Congress Doesn't Act; What if your bank account disappeared?, 12/1/10; Bank Of Ireland And ATM Systems Fail, Customers Unable To Access Cash, 12/7/10; Italy, first Bank Going Bye Bye? All accounts blocked!, 6/9/12; Another Obama Executive Order Allows Seizure of Americans' Bank Accounts, 10/18/12; Global Elite Are Very Clearly Telling Us That They Plan To Raid Our Bank Accounts, 3/27/13; Think Your Money is Safe? Think Again: The Confiscation Scheme Planned for US and UK Depositors, 3/28/13; This Is What It Feels Like To Have Your Life Savings Confiscated By The Global Elite, 3/29/13; Could the Banksters Grab Your Bank Deposits?, 3/31/13; It Can Happen Here: The Confiscation Scheme Planned for US and UK Depositors, 4/3/13; Government Took Gold in 1930, Now They’re Taking Bank Accounts, 4/5/13; Secret FDIC Plan to Loot Bank Accounts, 4/10/13; Fractional Reserve Banking: It’s Not Your Money…You Only Think It Is!, 5/2/13; Ron Paul and Jim Rogers: Government confiscation of private bank accounts to happen here, too, 5/21/13; If Your Money Is in a Bank – It's Theirs, 6/19/13; PLEASE Get Your Assets Out of the Banking System, 6/19/13; Civil Forfeiture of Cash: It Could Happen to You, 6/29/13; Gov. Targets Private Bank Accounts: Seizes Funds Of Innocent Americans Without Charge or Trial, 9/27/13; U.S. banks already can take your money, 10/1/13; Bank Runs Ahead, 10/18/13; IT IS TIME: Move Your Money Out of the US Banking System, 10/19/13; Boxer Manny Pacquiao’s bank accounts frozen by Philippine authorities for unpaid U.S. taxes, 11/26/13; Bail-Ins And Deposit Confiscation Coming, 12/4/13; Government Using NSA to Change Amount in Bank Accounts, 12/19/13; Target denies PIN data was compromised after insider claims encrypted personal info was stolen along with 40 million credit and debit card numbers, 12/24/13; Push of a Button: This Is How Fast They Can Lock Down the Entire Banking System, 12/25/13; Bank blocking some customers from making large withdrawals without ‘evidence’ of spending need, 1/25/14; Furious Backlash Forces HSBC To Scrap Large Cash Withdrawal Limit, 1/26/14; Bankers Win Both Ways: Now They Can Take Both Taxpayer and Depositor Money, 3/29/14; Get your assets out of the banking system, 5/2/14; All 50 U.S. States Are Seizing Funds from Dormant Bank Accounts, 6/12/14; Bitter End Of The Savings Account, 6/14/14; Australia Seizes 360M From Dormant Bank Accounts And All 50 U.S. States Are Doing This Too, 6/17/14; Gov’t Seizes Control of All Your Financial Accounts, 6/25/14; Fed Vice Chairman Warns: Your Bank May Seize Your Money to Recapitalize Itself, 8/27/14; They’re Coming for Your Accounts, 9/8/14; WARNING Bank Deposits Will Soon No Longer Be Considered Money But Paper Investments, 11/13/14; MONEY IN YOUR BANK ACCOUNT WAS STOLEN THIS MORNING, 11/16/14; It’s Official: The Worldwide Bail-ins Are Coming, 12/24/14; US charges Iowa widow over how she deposited husband's cash, 2/10/15; FDIC Plots a Bank Heist Involving YOUR Accounts, 4/15/15; Jade Helm Mass Bank Closures June 16th In “Hostile Insurgent Territory”, 6/6/15; How Do You Take Your Money Out of the Bank Before Jade Helm Ushers in Martial Law, 8/12/15; Top U.S. banks have pledged customers' deposits as collateral for derivative gambling debts, 1/14/16; Robbing the Federal Reserve… and Getting Away With It, 3/23/16; Hackers Robbed the U.S. Government…Are You Next?, 3/24/16; What Happened When I Tried to Take $1500 Cash Out of Bank of America - Bank Holiday is Near, 3/25/16

Safety Deposit Boxes: Your Safe Deposit Box is at Risk; DHS HAS TOLD BANKS - IN WRITING - IT MAY INSPECT SAFE DEPOSIT BOXES WITHOUT WARRANT AND SIEZE ANY GOLD, SILVER, GUNS OR OTHER VALUABLES IT FINDS INSIDE THOSE BOXES!, 1/30/11; California Seizing Property from Safety Deposit Boxes, 4/9/11; British government begins stealing its peoples’ bank deposits ahead of the global financial collapse, 8/8/11; Do not use Safety Deposit Boxes, 3/31/13; Don’t Store Your Gold and Silver in a ‘Safe’ Deposit Box, 4/25/14; Experience With Wells Fargo Safe Deposit Box, 5/6/14; JPMorgan Chase Bans Storage of Cash in its Safety Deposit Boxes, 4/22/15; Our (Not So) Safe Deposit Boxes--Will Texans Ride to the Rescue?, 6/4/15; A Lesson From the Greek Crisis: Safe Deposit Boxes Are Not Safe, 7/8/15; Call Kurtis: Safe Boxes May Not Be Safe After All, 7/26/18

ATMs: Average ATM Surcharge Reaches New High, 9/26/12; Day the ATMs Run Out, 2/24/15; "Literally, Your ATM Won’t Work…", 6/7/15; When the ATMs Won’t Work, 6/8/15; Was There A Run On The Bank? JPM Caps Some ATM Withdrawals, 4/4/16; Lock Down Has Begun: JP Morgan Restricts ATM Cash Withdrawals, 4/5/16

Electronic Benefit Transfer (EBT): EBT System Down? Federal Employees Not Paid? Is there a banking problem this weekend?, 8/29/15


Banking; Break the Banks - Radical Change in Two Steps:
1. Underbank: Make cash withdrawls from your bank accounts and empty your accounts as much as possible without closing them.
More Americans opting out of banking system, 9/12/12; Huge numbers of Americans opting out of banking system - and the media says that's bad!, 9/22/12; Unbanking vs. Underbanking: How To Break Up With the Financial System, 3/25/13; Should Libertarians Join the 'Underbanked'?, 5/10/13; How to Break Up with Your Bank, 5/17/13; IT IS TIME: Move Your Money Out of the US Banking System, 10/19/13; The Time Has Come To Fully Diversify: Retreating From Banks And From The Dollar Itself, 10/21/13; How to Take Your Money Out Of The Bank Without Going To Prison, 10/23/13; Your Life May Literally Depend upon You Taking Your Money Out of the Bank, 10/24/13; ABANDON the SYSTEM, 12/27/13; Banks Are Obsolete: Entire Parasitic Sector Can Be Eliminated, 2/20/14; again, 2/22/14; How do you take your money out of the bank before Jade Helm ushers in Martial Law?, 4/10/14; BAN ALL THE BANKS: Here's The Wild Idea That People Are Starting To Take Seriously , 4/27/14; How I finally Managed to Ditch Fiat Currency Without Embracing Bitcoin, 9/20/14; Why millions of us don’t trust banks, 3/14/15; How Do You Take Your Money Out of the Bank Before Jade Helm Ushers in Martial Law, 8/12/15; Four alternatives to holding your savings in a bank, 6/10/16; How to Take Your Money Out of the Bank Without Going to Jail, 7/21/17
2. Use cash (or better, silver) for your purchases and financial transactions as much as possible.
See Cashless Society; Oregon Gas Station Accepting 90% Junk Silver as Payment, 5/17/11; How to Defeat the Banking Mafia, 10/21/12; Families around the world are pulling cash out of banks and hiding it in their homes, 10/17/13; CITI: Rich Families Are Hoarding Cash, 11/3/13; Cash Hoarding on the Rise, 2/6/15; Americans take to hiding cash as trust in government and banks deteriorate, 2/9/15; It’s Time to Hold More Cash and Buy Gold, 5/21/15; Leading British Bond Fund Manager: "Time to Hold Physical Cash", 6/22/15; In A World Of Artificial Liquidity – Cash Is King, 7/6/15; Top Economic Forecaster Warns: Have Cash On Hand To Survive For Three Months: “No Institution Is Safe”, 7/24/15; Fears of financial instability keep demand for banknotes strong, 8/16/15; Why you need to have PHYSICAL CASH… now, 1/6/16; Cash Is The Currency Of Freedom, 2/28/16

Alternative Banking

Public Banking: Washington State Joins Movement for Public Banking, 1/24/11; Public Banking Works, 11/6/12; Public Banking: What Better Time Than Now, 4/5/13
State Bank Movement: Feds To States: "Drop Dead" - State Bank Movement Picks Up Steam, 5/18/11; Utah Monetary Declaration of Freedom From the Tyranny of Central Bankers, 10/5/11
Cooperative Local Banking: Cooperative Banking is the Exciting Wave of the Future, 5/23/12

Virtual Banking: New Bank Has No Branches, Just an App — And Thinks You’ll Volunteer to Pay for It, 1/16/13

Time Banking: wikipedia
A Tax on Banks?: Robin Hood Tax

Western Union: Perpetual Panopticon of Permission, 12/3/14

Dennis Kucinich: H.R. 6550: National Emergency Employment Defense Act of 2010, 12/17/10: National Monetary Insanity Act, 1/3/11

Sheldon Emery: Billions for Bankers – Debts for the People; Real Story of the Money Control Over America

International Banking

Federal Reserve; Goldman Sachs
Offshore Banking: Four reasons to open an offshore bank account now, 11/11/11; Secret Files Expose Offshore's Global Impact, 4/4/13; IRS eyes U.S. accounts at Caribbean bank, 4/30/13; Secret tax-haven names released to public, 6/14/13; A Sunny Place for your Money, 1/21/14; IRS to Expand Financial Surveillance With Crackdown On Offshore Accounts, 5/6/14; Sometimes You Can Win Against Uncle Sam, 9/19/14

Liberty Reserve: Seven men charged in Liberty Reserve global money-laundering operation, 5/28/13; Bitcoin Users Will Freak Out When They See The Cruise Missile The Justice Department Just Fired Against Another Digital Currency, 5/28/13; Feds raid Liberty Reserve and indict founders on money laundering charges... is Bitcoin next?, 5/29/13; 'Liberty Reserve' And Why Some Money Launderers Are "More Equal" Than Others, 5/30/13; Why There Is a Demand for Liberty Reserve's Services, 6/4/13

European Banking: Get Your Assets out of the Banks – NOW, 3/18/13; Words of Warning: Get Your Money Out of European Banks, 3/24/13; Austria defies mounting pressure to end bank secrecy, 4/13/13

Swiss Banking: WHAT NEXT? The Incredible History Of Secretive Swiss Banking, 2/4/12; Hundreds Of Billions Of Dollars Expected To Be Withdrawn From Swiss Banks Amid Tax Evasion Crackdown, 9/17/12; Second Greek Man Has Been Found Dead Since the Emergence Of 'The Lagarde List', 10/8/12; How to Launder Money – Swiss Style, 10/18/12; Wary Swiss Banks Shun Yanks, 10/19/12; Switzerland, threatened by isolation, lifting veil on secret bank accounts, 11/4/12; Switzerland’s oldest bank pleads guilty to aiding U.S. tax evasion, 1/3/13; Europe pushes Switzerland to end bank secrecy, 5/14/13; Switzerland Caves In to US in Tax Evasion Dispute, 5/30/13; Right-wingers aim to keep Swiss bank secrecy, 6/4/13; Swiss Lawmakers Reject Deal to End US Tax Spat, 6/18/13; Banks Are Ditching Switzerland For Finally Cracking Down On Secrecy, 7/1/13; Swiss say goodbye to banking secrecy, 1/1/17

Wire Transfers: Guilty Til Proven Innocent, 6/12/12

answers ξ  Have questions about banking or about dealing with banksters?  Send an email, including your name and phone# in your message. No legal advice provided, but someone will respond.