# US Bank, oh you little fuckers are at it again. **URL:** \ **Category:** The BBQ Pit\ **Created:** [October 15, 2010, 3:59pm UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252 "2010-10-15T15:59:35Z")\ **Posts on this page:** 20\ **Page:** 3
**Author:** ![mhendo](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/mhendo/32/3159_2.png) [@mhendo](https://boards.straightdope.com/u/mhendo)\ **Post date:** [October 19, 2010, 12:00am UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/41 "2010-10-19T00:00:37Z")
> [@Kevbo](#): > > Windows complaints are to MacIntosh as bank rants are to credit unions. Except that it’s the banks who are the pretentious assholes, not the credit unions. ---
**Author:** ![Zakalwe](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/zakalwe/32/270_2.png) [@Zakalwe](https://boards.straightdope.com/u/Zakalwe)\ **Post date:** [October 19, 2010, 12:04am UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/42 "2010-10-19T00:04:23Z")
Hey Rand, how does your “they’re a business of course they’re making a profit” fit in with the bailout? They’re a profit-based business up until the moment they fuck up, then they’re a national service that is “too big to fail”. Fuck 'em and their investors, burn 'em all. ---
**Author:** ![mhendo](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/mhendo/32/3159_2.png) [@mhendo](https://boards.straightdope.com/u/mhendo)\ **Post date:** [October 19, 2010, 12:06am UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/43 "2010-10-19T00:06:36Z")
> [@Zakalwe](#): > > Hey Rand, how does your “they’re a business of course they’re making a profit” fit in with the bailout? They’re a profit-based business up until the moment they fuck up, then they’re a national service that is “too big to fail”. Fuck 'em and their investors, burn 'em all. Well, i don’t want to speak for **Rand Rover** here, but many libertarian types i know were pretty unimpressed with the bailout. Has **Rand Rover** defended the bailout somewhere else on these boards that i missed? ---
**Author:** ![congodwarf](https://avatars.discourse-cdn.com/v4/letter/c/e36b37/32.png) [@congodwarf](https://boards.straightdope.com/u/congodwarf)\ **Post date:** [October 19, 2010, 12:11am UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/44 "2010-10-19T00:11:51Z")
> [@Rysto](#): > > Saturday, not Sunday. Both. At least my branch is open 7 days a week and it’s not even in a grocery store. ---
**Author:** ![congodwarf](https://avatars.discourse-cdn.com/v4/letter/c/e36b37/32.png) [@congodwarf](https://boards.straightdope.com/u/congodwarf)\ **Post date:** [October 19, 2010, 12:18am UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/45 "2010-10-19T00:18:32Z")
> [@Sunspace](#): > > See, that’s what happens when you use a sane, sensible _boring_ Canadian bank. 🙂 TDBank is a Canadian bank? Hmm. I didn’t know that. ---
**Author:** ![mhendo](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/mhendo/32/3159_2.png) [@mhendo](https://boards.straightdope.com/u/mhendo)\ **Post date:** [October 19, 2010, 12:21am UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/46 "2010-10-19T00:21:35Z")
> [@congodwarf](#): > > TDBank is a Canadian bank? Hmm. I didn’t know that. Actually, TDBank in the United States is part of an American holding company. That company is a subsidiary of Toronto-Dominion Bank, which is Canadian. ---
**Author:** ![Rand\_Rover](https://avatars.discourse-cdn.com/v4/letter/r/db5fbb/32.png) [@Rand\_Rover](https://boards.straightdope.com/u/Rand_Rover)\ **Post date:** [October 19, 2010, 12:35am UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/47 "2010-10-19T00:35:33Z")
Mhendo–Im not sure what zakalwe is on about. I’ve never defended “the” bailout here and I don’t know why he/she seems to have a bug up his/her (man)cooch about it. ---
**Author:** ![Zakalwe](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/zakalwe/32/270_2.png) [@Zakalwe](https://boards.straightdope.com/u/Zakalwe)\ **Post date:** [October 19, 2010, 1:44am UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/48 "2010-10-19T01:44:23Z")
> [@Rand\_Rover](#): > > Mhendo–Im not sure what zakalwe is on about. I’ve never defended “the” bailout here and I don’t know why he/she seems to have a bug up his/her (man)cooch about it. Actually, oddly enough, I knew that you didn’t/don’t defend the bailout. My problem is that you defend the “bank” when they do things that agree with your ideology, but refuse to defend the “bailout” as if the bank didn’t ask (actually beg) for it and accept it. ---
**Author:** ![Rand\_Rover](https://avatars.discourse-cdn.com/v4/letter/r/db5fbb/32.png) [@Rand\_Rover](https://boards.straightdope.com/u/Rand_Rover)\ **Post date:** [October 19, 2010, 2:26am UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/49 "2010-10-19T02:26:07Z")
> [@Zakalwe](#): > > Actually, oddly enough, I knew that you didn’t/don’t defend the bailout. My problem is that you defend the “bank” when they do things that agree with your ideology, but refuse to defend the “bailout” as if the bank didn’t ask (actually beg) for it and accept it. I bet you defend your mom when she’s all baking you cookies and shit, but you’d drop that bitch in a heartbeat if she started committing mass murder and ethnic cleansing and shit. ---
**Author:** ![Zakalwe](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/zakalwe/32/270_2.png) [@Zakalwe](https://boards.straightdope.com/u/Zakalwe)\ **Post date:** [October 19, 2010, 2:52am UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/50 "2010-10-19T02:52:17Z")
> [@Rand\_Rover](#): > > I bet you defend your mom when she’s all baking you cookies and shit, but you’d drop that bitch in a heartbeat if she started committing mass murder and ethnic cleansing and shit. Dude. The fuck? Are you seriously pretending that 1. your relationship with somebody else’s bank is like mine with my mother and 2. that baking cookies v. mass murder = charging fees v. taking bailout money? Sorry I struck a nerve, you delusional fuckwit. ---
**Author:** ![Rand\_Rover](https://avatars.discourse-cdn.com/v4/letter/r/db5fbb/32.png) [@Rand\_Rover](https://boards.straightdope.com/u/Rand_Rover)\ **Post date:** [October 19, 2010, 3:01am UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/51 "2010-10-19T03:01:01Z")
> [@Zakalwe](#): > > Dude. The fuck? Are you seriously pretending that 1. your relationship with somebody else’s bank is like mine with my mother and 2. that baking cookies v. mass murder = charging fees v. taking bailout money? > > Sorry I struck a nerve, you delusional fuckwit. Dude. You seriously think either of those things are relevant? Look, if you think I’m being a hypocrite or something, please make an actual argument to that effect and I will respond. Otherwise I’ll just continue to sit back and think you’re an idiot. ---
**Author:** ![Zakalwe](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/zakalwe/32/270_2.png) [@Zakalwe](https://boards.straightdope.com/u/Zakalwe)\ **Post date:** [October 19, 2010, 3:24am UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/52 "2010-10-19T03:24:56Z")
> [@Rand\_Rover](#): > > Dude. You seriously think either of those things are relevant? > > Look, if you think I’m being a hypocrite or something, please make an actual argument to that effect and I will respond. Otherwise I’ll just continue to sit back and think you’re an idiot. You’re the one that brought them up, _counselor_. No, I don’t think you’re being a hypocrite on this subject. I think you’re being an idiot. You defend banks’ behavior as free market with regard to fees, but ignore their behavior when it’s not (the bailout). It’s selection bias. The sad fact is that no one, anywhere, behaves in a way you think is ideal (but that most actual grown-ups agree is idiotic) and so you’re reduced to cherry-picking those things that reinforce your set-in-concrete notions of how things should work and hand-waving away any exceptions (generally, as in this case, with over the top personal insults to the person who dares question your little nirvana). Whatever man, I’m out. Feel free to declare this little exchange a victory (again, sadly, I’m sure you’ll be convinced your version of reality is accurate, all evidence to the contrary). ---
**Author:** ![Bryan\_Ekers](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/bryan_ekers/32/183_2.png) [@Bryan\_Ekers](https://boards.straightdope.com/u/Bryan_Ekers)\ **Post date:** [October 19, 2010, 11:38am UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/53 "2010-10-19T11:38:01Z")
> [@John\_Mace](#): > > Egg management fee. That actor has my dream job. He gets paid to be a bastard to children. ---
**Author:** ![Rand\_Rover](https://avatars.discourse-cdn.com/v4/letter/r/db5fbb/32.png) [@Rand\_Rover](https://boards.straightdope.com/u/Rand_Rover)\ **Post date:** [October 19, 2010, 1:13pm UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/54 "2010-10-19T13:13:02Z")
Z, the problem here is that you think everyone should be either “a defender of banks” or “not a defender of banks,” and if someone says something that you believe puts them in one category, you get all pissy when they say something that you believe puts them in the other category. That’s a rather idiotic thing to do. If Joe saves some children from a house fire, then I may say “yay Joe! You are the best!” If Joe later decides to rid Wisconsin of Canadians through gas chambers and forced sterilization, I would say “boo, Joe, you suck.” And then you would apparently come along and call me a hypocrite or an idiot. ---
**Author:** ![JohnT](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/johnt/32/15048_2.png) [@JohnT](https://boards.straightdope.com/u/JohnT)\ **Post date:** [October 19, 2010, 1:45pm UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/55 "2010-10-19T13:45:00Z")
> [@Hampshire](#): > > It’s not so much a problem of keeping track of the money, it’s more that the overdraft protection was a convenience. A convenience that I was already paying for in the form of interest on the overdraft account. > Say it’s a Thursday afternoon and I’m down to $50 in my account. I get paid the next day. On my lunch hour I’m at Home Depot and see a jigsaw on sale that I need for a weekend project for $150. I’d use my checking/debit card to buy it, the next day transfer money back over to cover it when I get paid, and pay the $1.25 in interest. Simple. > Now doing that will cost me $11.25. Or I can just start using a different credit card which is apparently what USBank wants me to do. Or you could wait one whole day to pay for it? 😕 ---
**Author:** ![JohnT](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/johnt/32/15048_2.png) [@JohnT](https://boards.straightdope.com/u/JohnT)\ **Post date:** [October 19, 2010, 1:46pm UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/56 "2010-10-19T13:46:00Z")
> [@Fear\_Itself](#): > > And what happens when someone else bounces a check on you, leaving you with less than your outstanding checks? HOW DO ADULTS DEAL WITH THAT? You don’t credit the money in your account until the bank does. Is this a trick question? ---
**Author:** ![Fear\_Itself](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/fear_itself/32/19637_2.png) [@Fear\_Itself](https://boards.straightdope.com/u/Fear_Itself)\ **Post date:** [October 19, 2010, 1:49pm UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/57 "2010-10-19T13:49:06Z")
> [@JohnT](#): > > You don’t credit the money in your account until the bank does. Is this a trick question? Some people are more easily tricked. Checks can bounce after the bank credits them to your account, sometimes _weeks_ later. ---
**Author:** ![Morgenstern](https://avatars.discourse-cdn.com/v4/letter/m/f9ae1b/32.png) [@Morgenstern](https://boards.straightdope.com/u/Morgenstern)\ **Post date:** [October 19, 2010, 1:55pm UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/58 "2010-10-19T13:55:39Z")
The US Bank fees are all my fault, and I accept the blame here. You see, I’ve had US Bank for several years, in fact all my banking is with them. I’ve never paid a cent in fees, not even for checks. Their credit card is fee free if I use it one time per year, and I never carry a balance so I cheat them out of their interest. So, I’ve selfishly taken their services and I’ve yet to pay a cent. Wait…I just looked. My car loan is with them too. They are getting 4% from me so I’m not the one putting them in the red after all. Please disregard this post. ---
**Author:** ![JohnT](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/johnt/32/15048_2.png) [@JohnT](https://boards.straightdope.com/u/JohnT)\ **Post date:** [October 19, 2010, 6:02pm UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/59 "2010-10-19T18:02:52Z")
> [@Fear\_Itself](#): > > Some people are more easily tricked. Checks can bounce after the bank credits them to your account, sometimes _weeks_ later. Possible solutions: 1. Cash the check at the bank from which the monies are drawn. 2. Call the bank from which the monies are drawn and ask them if there are sufficient funds to pay the check. 3. Deposit the check into a savings account, not into checking. 4. Deposit the check into your checking account, but don’t post the deposit in your checkbook and don’t assume the monies will be there overnight. 5. Deposit the check into a checking account opened for this very purpose. 6. Look at the deposit slip - if it says “hold” or “held” or some variation, check with your bank to determine their holding policies. ---
**Author:** ![Rand\_Rover](https://avatars.discourse-cdn.com/v4/letter/r/db5fbb/32.png) [@Rand\_Rover](https://boards.straightdope.com/u/Rand_Rover)\ **Post date:** [October 19, 2010, 6:23pm UTC](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252/60 "2010-10-19T18:23:55Z")
. . . which reminds me of my irrational hate of the word “monies” [shudder]. [Previous page](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252.md?page=2) [Next page](https://boards.straightdope.com/t/us-bank-oh-you-little-fuckers-are-at-it-again/557252.md?page=4)