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There are no fees at America’s smallest bank

bloomberg.com

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Re: There are no fees at America’s smallest bank

#71

Post by boring_twenties »

lannisterstark wrote: post #62

Or just use Fidelity, which has 0 fee as well. Free wire transfers, free ATM reimbursements etc. On another side, it actually has branches scattered throughout too.

Schwab is a little bit better for this:

1) Like Fidelity, it requires you to open a brokerage account, but the minimum deposit is $0, unlike Fidelity which last I checked was $2,500

2) $1k/day ATM max instead of $500

3) ATM fee reimbursement is worldwide and no forex fees, can't remember anymore if Fidelity had both of these

Re: There are no fees at America’s smallest bank

#72

Post by grogenaut »

SoftTalker wrote: post #15
blakesterz wrote: post #4

Sammons, the fourth generation of his family to run the 100-plus-year-old S&L and its only full-time employee, confides that he’s a bit tech-averse. “Computers are great when they work,” says the 55-year-old, laughing. “I don’t have the patience for them.” Most days I bet most of us would agree with that statement!

Yep. I was just trying to fill out a PDF form for my taxes. A complete nightmare. Tried three different PDF viewers that had different bugs or incompatibilities with the form. Finally had to start a Windows VM to run Acrobat, that was the only way to get it done, other than print the blank form and fill it out by hand which in retrospect would have saved me about 40 minutes. I have been in software and IT for my whol…

I have about 50% luck with the js based pdf viewers just letting me edit pdfs now... I think it comes down to did the pdf creator actually put type areas in the form or did they expect you to have acrobat and just create new text boxes in the form areas. Oddly the IRS forms were really good with that this year.

I agree the dark patterns around PDFs and everyone putting a shareware version of a ope source program out is the worst.

Also a large % of the time open office works but hey that takes like 20 minutes to install.

The only thing I use acrobat for is it actually is quite solid for printing and doesn't seem to charge you for that.

Re: There are no fees at America’s smallest bank

#73

Post by grogenaut »

BirAdam wrote: post #59
Arrath wrote: post #32

Earlier quoted context omitted.

Change that to "Computers/Printers" and you'll probably have universal appeal

Printers are directly descended from Satan himself. Edit: and printing is the one part of the tech world that really is worse than it used to be. Most of the time, it’s just rose colored glasses that make us think things are worse. Computers used to be awful. Constant crashing and rebooting, and stuff randomly failing to work. Slow, bad UX, etc. printers, however, worked fairly reliably. Then… inkjet, laser jet and f…

What's hilarious is how much better my 3d printer is for usability than a paper printer..

That said get a B&W laser from brother or other and shit generally jsut works

Re: There are no fees at America’s smallest bank

#74

Post by maxerickson »

SoftTalker wrote: post #15
blakesterz wrote: post #4

Sammons, the fourth generation of his family to run the 100-plus-year-old S&L and its only full-time employee, confides that he’s a bit tech-averse. “Computers are great when they work,” says the 55-year-old, laughing. “I don’t have the patience for them.” Most days I bet most of us would agree with that statement!

Yep. I was just trying to fill out a PDF form for my taxes. A complete nightmare. Tried three different PDF viewers that had different bugs or incompatibilities with the form. Finally had to start a Windows VM to run Acrobat, that was the only way to get it done, other than print the blank form and fill it out by hand which in retrospect would have saved me about 40 minutes. I have been in software and IT for my whol…

Chrome handles forms relatively well.

(no idea if it would have handled your form or not)

Re: There are no fees at America’s smallest bank

#75

Post by maxerickson »

kevin_thibedeau wrote: post #63
SoftTalker wrote: post #15

Earlier quoted context omitted.

Yep. I was just trying to fill out a PDF form for my taxes. A complete nightmare. Tried three different PDF viewers that had different bugs or incompatibilities with the form. Finally had to start a Windows VM to run Acrobat, that was the only way to get it done, other than print the blank form and fill it out by hand which in retrospect would have saved me about 40 minutes. I have been in software and IT for my whol…

You're the victim of Adobe's poison pill to make PDF only usable by their tooling with the inclusion of JS and ensuring that the traditional PDF form authoring isn't readily generated by Acrobat anymore.

Form creation is a front and center feature in Acrobat DC.

Like there's a form detector and a form editor and all that. You have to manually add javascript to those elements if you want it (well, there's an API, but you have to explicitly add the javascript).

Re: There are no fees at America’s smallest bank

#76

Post by youainti »

kibwen wrote: post #38

> According to Roger Lowenstein, a financial journalist and author of America’s Bank: The Epic Struggle to Create the Federal Reserve, bank regulations used to protect small lenders in particular—in the 1930s you couldn’t have more than one branch or operate across state lines. I say we bring this back. Split up the "too big to fail" ultrabanks.

There's a good reason we got rid of that regulation. With limited geographical dispersion, local bank runs could be really damaging.

But yes, too big to fail is an issue, but small and easy to fail is another.

Re: There are no fees at America’s smallest bank

#77

Post by oefrha »

sharkweek wrote: post #52
inferiorhuman wrote: post #49

Earlier quoted context omitted.

Credit unions, by law, must have restrictions on who can join. Often times they're gated by where you live, what city you worship in, where you work. I'm a member of a large California based credit union and while the low/no fees are nice, their general incompetence is awful.

I'm at a credit union for a chunk of my banking. Their tech is bad, but you know what I love? When I call the number on the back of the debit card a human answers the call after a few minutes and 9/10 times can fix whatever I need fixed themselves.

Hmm, with a reasonably good bank you shouldn’t have had ten problems with your debit card you had to call. With things like bank cards, the best customer service is don’t need customer service.

Re: There are no fees at America’s smallest bank

#78

Post by astura »

boring_twenties wrote: post #71
lannisterstark wrote: post #62

Or just use Fidelity, which has 0 fee as well. Free wire transfers, free ATM reimbursements etc. On another side, it actually has branches scattered throughout too.

Schwab is a little bit better for this: 1) Like Fidelity, it requires you to open a brokerage account, but the minimum deposit is $0, unlike Fidelity which last I checked was $2,500 2) $1k/day ATM max instead of $500 3) ATM fee reimbursement is worldwide and no forex fees, can't remember anymore if Fidelity had both of these

You're wrong about the first point - the cash management account IS the brokerage account, and there's no minimum.

No no forex fees either.

Re: There are no fees at America’s smallest bank

#79

Post by freshocean »

silisili wrote: post #37
SoftTalker wrote: post #15

Earlier quoted context omitted.

Yep. I was just trying to fill out a PDF form for my taxes. A complete nightmare. Tried three different PDF viewers that had different bugs or incompatibilities with the form. Finally had to start a Windows VM to run Acrobat, that was the only way to get it done, other than print the blank form and fill it out by hand which in retrospect would have saved me about 40 minutes. I have been in software and IT for my whol…

Same. Sometimes my wife asks why I don't play on the computer or social media, and I tell her it's because I hate computers. She expectedly says...but you're a programmer. I think doing anything all day every day sucks the joy out of it.

> I think doing anything all day every day sucks the joy out of it.

totally relatable. same might hold true with driving, cooking, gardening, etc also. :)

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