Pedro Picasso grouses about bank

[franksolich]

http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=389x6330224

Oh my.

Now, this is a bonfire a month old, and long doused--I have no idea why it shows up as a "recent" post, but it does, and since it's interesting, it warrants bringing over here anyway.

Pedro Picasso:

Atman  (1000+ posts)        Mon Aug-17-09 05:33 PM
Original message
 
I used to like TD Banknorth. Now they're TD Bank and they suck.

Well, that's the way I look at it. As part of their new name/company, they've thanked me for my many years of being a loyal customer by demanding I keep at least $100 in my checking account at any and every given moment or else I will be charged $15. If I pick up a $3 pack of tp and I have $102 in my account, I get charged $15 for using my own ****ing money. IOW, they want me to loan them $100 of my money every month, or they'll charge me $15. I rarely get below a couple of hundred bucks in my checking acct anyway, but that's not the point. So **** them. I'm now going to try and find a new, LOCAL bank.

TrogL  (1000+ posts)        Mon Aug-17-09 06:04 PM
Response to Original message
 
2. What kind of account have you got??

I've been with them for years and never seen anything like that.

junkyardpenguin (1 posts)      Mon Aug-17-09 06:11 PM
Response to Original message
 
3. TD Bank

TD brought George W. Bush up here to yak it up at some yakfest over in Toronto there. Now, that makes me wonder a lot. What would that guy have to tell anybody about??

FarCenter (1000+ posts)      Mon Aug-17-09 06:16 PM
Response to Original message
 
4. Convenience Checking?

http://www.tdbanknorth.com/personal/checking.html?state...

Enjoy the convenience of no minimum daily balance requirement for the first year.

No minimum daily balance requirement for first year, then $100

$15 monthly maintenance fee waived if you meet the minimum daily balance requirement

No minimum initial deposit required to open account

Free first order of checks

Atman  (1000+ posts)        Mon Aug-17-09 06:59 PM
Response to Reply #4
 
6. I've been with them for years, starting when my local bank was bought out.

It's my same, regular ol' checking account I've always had, which now falls into the "Convenience Checking" category. But since I've had it for years, I don't get the "no minimum daily balance" promotion. Even if I did, I'd leave. It wasn't long ago that it'd be a luxury if I still had $100 in my account by the time my next paycheck rolled around. Hell, often I was lucky if I had $10. They're essentially holding my last $100 hostage for a $15 ransom. What the **** kind of "service fee" is required to process transactions electronically? Especially when you're doing millions of them a day? I could almost understand .15¢ given the volume they do, but $15 is outright theft. Between my wife and I we have four accounts with TD Bank(north). We're planning on closing all of them.

A Fat Che in the punchbowl plops up:

FarCenter (1000+ posts)      Mon Aug-17-09 07:37 PM
Response to Reply #6
 
7. The $15 is not a fee for a transaction

It is the monthly fee for having an account. Which they waive if your account daily balance doesn't go below $100.

On the other hand, it doesn't seem like a competitive monthly fee, and other banks with no minimum daily balance charge $3 or $6 per month.

Given that you have four accounts and that they have balances as low as less than $100, TD will be happy to see you go.

Atman  (1000+ posts)        Mon Aug-17-09 08:07 PM
Response to Reply #7
 
8. Wow, you made up a lot of shit in just one reply!

Holy crap, where did you come up with all those facts? Where did I say I have "four accounts that have balances as low as less than $100?" Are you TD employee or something? Or maybe you work for their advertising firm? Are you serious? My personal checking account, into which half my paycheck goes each week, is but ONE of FOUR accounts my wife and I have with TD. Two others are savings/MM accounts. The other is our "life" account...we use it to live...we pay our bills out of it, we fix our car out of it, we buy stuff and travel out of it...we're "good little bank customers." But MY money, the part of my paycheck that goes into MY account which I use for anything from gas for my car to picking up a 12-pack on the way to a friend's house on a Saturday...that's still money. Still real money, and $100 is real money to me. $100.

TD wants me to give them $100 to use for whatever they see fit, and if I give them anything less than $100 on any given day, they'll automatically take $15 out of the same account. What the **** kind of deal is that? If you think it's cool that all banks **** you like this, I'm not sure you belong on DU. This is absurd...how did my account change over the last seven years? It hasn't. Not at all. But now I'll get penalized for not allowing TD to pool $100 of my money into a giant interest-bearing fund from which they'll make millions. My $15, when it's gone, will not be noticed by TD. But the $100 that I know is in my account and not theirs after I've switched to a CU or a local bank...priceless.

Oh my.

[GOBUCKS]

I am beginning to wonder about Pedro's status as a rich playboy.

I doubt his fellow cartoonists Walt Disney and Charles Schulz worried this much about keeping
a $100 balance in their checking accounts.

[franksolich]

I am beginning to wonder about Pedro's status as a rich playboy.

I doubt his fellow cartoonists Walt Disney and Charles Schulz worried this much about keeping a $100 balance in their checking accounts.

Pedro Picasso is, self-admittedly, a tight stingy bastard.

Among other things Pedro Picasso has admitted to--from his own mouth, not from anyone's digging around--is that while his paternal ancestor was an ethnic, his maternal ancestress is from New England money, old money and much money.

And Pedro Picasso married Money.

This is what's great about Pedro Picasso; his arrogant ego makes him into a billboard advertising himself.

[crockspot]

Pedro must be a cheap bastard. I am far from rich, being unemployed for a little over six months. But i have more than a half dozen accounts scattered all over this great nation, and all of them are well north of a hundred bucks, and draw no fees.

[franksolich]

Pedro must be a cheap bastard. I am far from rich, being unemployed for a little over six months. But i have more than a half dozen accounts scattered all over this great nation, and all of them are well north of a hundred bucks, and draw no fees.

Well, there are wealthy people who are pretty damned tight.

For example, I doubt the Bostonian Drunkard buys drinks for the crowd at Burpkovski's bar; and in fact, the Bostonian Drunkard probably hangs around there waiting for others to buy him a drink.

Such people think they're saving their money, but it's a illusion.

The more one gives away, the more one gets.....my own life is testimony to that.

[Carl]

An attempt to be the poor,oppressed little man and nothing more.
He needs to take lessons from greenbriar who would have within a few posts let all know how much money she really had.

Stupid fool...he isn`t keeping up with the scripts,time is passing him by.

[franksolich]

An attempt to be the poor,oppressed little man and nothing more.

He needs to take lessons from greenbriar who would have within a few posts let all know how much money she really had.

Well, sir, that attitude fits in perfectly with Pedro Picasso's delusion that "other people" are out to get him, or to cheat him, this tightwaddedness of his.

Everybody's out to get Pedro Picasso--everybody from Karl Rove to franksolich.

Everything's a conspiracy, and a conspiracy against Pedro Picasso--that's the undercurrent that runs in nearly all that Pedro Picasso jibber-jabbers at bonfires on Skins's island.

Even God conspires against Pedro Picasso.

Geezuz.

[GOBUCKS]

It sounds like DUmmy Atman is pretty typical of the DUmmy caste. A pinhead with no marketable skills
and meager intelligence, who has never been able to support himself. Subsisting on money earned by
others, a leech on the labor of two different families, he is living the democrat dream.

He plays with his utterly uninspired cartoons, pretending his primitive drawings are art, and placing a further
financial burden on others to pay for a vanity publisher.

People like him are always at the forefront of the drive for more benefits to the idle, financed by
people who work and produce.

Keeping $100 in his checking account should be a snap. Like everything else, it's easily available
from his wife or his family.

DUmmy Atman is worse than DUmmy Pitt. At least Pitt tried to work a menial job, until struck down by his
alcoholism and sexual perversion. Pedro is just a waste.

[USA4ME]

Checking and money market accounts are paying maybe 2% interest.  So if you leave $100 in the account the bank pays you a whole $2/yr.  If they loan that $100 they may make $6/yr.  Pedro is leaving a bank for wanting to make $4 on all accounts?

Go to the dictionary and look up the word "cheapskate" and it would say "Pedro makes this group look like spendthrifts."

.

[The Village Idiot]

I am beginning to wonder about Pedro's status as a rich playboy.

I doubt his fellow cartoonists Walt Disney and Charles Schulz worried this much about keeping
a $100 balance in their checking accounts.

He sure spent a lot of time on this. Maybe he isn't as rich as he pretends? Maybe his wife is.

Anyway, a little advice. Close out that Money Market fund. NOW!! I think the admin is about to annouce an end to the federal "backstop" on MM funds.

[franksolich]

DUmmy Atman is worse than DUmmy Pitt.

Nah, not quite.

Pedro Picasso did do a stint of honest labor after getting out of high school down in Florida, driving a forklift in a camera manufactory in Massachusetts.

That was apparently a time of Great Discombobulation for Pedro Picasso, as it was remarkably for franksolich too.  Roughly approximately about the same time both our paternal ancestors died, although Pedro Picasso might have been a couple of years older than franksolich when that happened.

Oh my.

The parallel streams running through two very disparate lives.

So many similarities between the two, and one is left mystified as to why Pedro Picasso turned out such a loser, and franksolich didn't.

As for the Bostonian Drunkard, he may have tried, but really he never did a lick of manual labor in his life.  "Work" is for other people to do, not the Bostonian Drunkard.

[franksolich]

Checking and money market accounts are paying maybe 2% interest.  So if you leave $100 in the account the bank pays you a whole $2/yr.  If they loan that $100 they may make $6/yr.  Pedro is leaving a bank for wanting to make $4 on all accounts?

Go to the dictionary and look up the word "cheapskate" and it would say "Pedro makes this group look like spendthrifts."

Trust me, it's in his nature.

Even if the bank were to make one cent, Pedro Picasso would be upset.

It's a matter of principle with him; money should flow only to Pedro Picasso, and to no one else.  Please recall that he didn't even donate to Skins's island until a couple of days after I started yelling about it over here.

I was yelling-and-screaming about it a lot, remember.

[franksolich]

Maybe he isn't as rich as he pretends?

Pedro Picasso is, pretty much.

Around income-tax time, Pedro Picasso has that unfortunate (unfortunate for him, amusing for decent and civilized people) habit of unwittingly betraying his income, by the comments he makes.  The comments fly over the heads of normal people, as he doesn't cite actual numbers, but anyone who does income taxes for a living can put the pieces together, as if a jigsaw puzzle.  A jigsaw puzzle with, like, about five pieces.

One doesn't have to put out his leg to trip Pedro Picasso; all one has to do is sit back, relax, get mellow, and watch as Pedro Picasso trips himself up with his own lips.

[JohnnyReb]

Bottom line: The bank gave him a broken Chinese toaster.

[NHSparky]

Checking and money market accounts are paying maybe 2% interest.  So if you leave $100 in the account the bank pays you a whole $2/yr.  If they loan that $100 they may make $6/yr.  Pedro is leaving a bank for wanting to make $4 on all accounts?

Go to the dictionary and look up the word "cheapskate" and it would say "Pedro makes this group look like spendthrifts."

.

TD doesn't pay interest on that particular checking account.  I have a TD account similar to Pedro's.

First thing I did when I found out they were taking $15 a month out if your balance falls below $100?  Go to my checkbook, deduct $100 from the ledger balance.  Viola!  No fees will ever be charged again as long as I don't bounce a check--unlikely with the $100 buffer, which also acts as a nice "emergency" fund if really needed.

[The Village Idiot]

Trust me, it's in his nature.

Even if the bank were to make one cent, Pedro Picasso would be upset.

Well that explains a lot. He's insane. Maybe he should follow Warren Buffett and put it all into tax free municipal bonds? Why not scream about people not paying enough taxes while not paying any? Sounds perfectly DUmmie.