Why it costs money to get your own money - Deepstash
Upskilling: Preparing For The Future

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Upskilling: Preparing For The Future

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Spending Money To Access Your Own Money

Spending Money To Access Your Own Money

  • Banks are in the business of making money, even if that means charging you to deal with money that's yours.
  • The concern is that consumers aren't able to effectively comparison shop because of practices such as drip pricing or hidden pricing that hide actual costs.
  • There's only so much we can expect out of private banks - which is why some experts say the public sector, like the post office, would be a better option.


461 reads

When Banks Have You, They Have You

When Banks Have You, They Have You

  • Banking fees are associated with access to the payments system and all of the products and services that come along with that.
  • Some people in the banking industry say that measures such as overdraft fees are meant to deter customers from overspending.
  • In the past, banks have used overdraft protections (and fees) in their marketing to try to entice customers.
  • These are businesses, not governments, and it's not clear that banks should be in the business of trying to police behaviours through fees.
  • Overdraft fees are almost pure profit.


311 reads

The Alternative: Postal Banking

The Alternative: Postal Banking

Experts have advocated for postal banking, which would essentially turn the US Postal Service into a place that would also offer basic banking services like checking accounts, savings accounts, and payments. The idea is that it would reach and serve as an option for the unbanked and offer lower-cost options for transactions than private banks, such as low-fee ATMs and check cashing. 

Postal banking has been proposed on Capitol Hill, but thus far, it hasn’t gotten very far legislatively.


227 reads



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