Text 26853, 43 rader
Skriven 2012-03-17 08:30:02 av Robert Bashe (2:2448/44)
  Kommentar till text 26838 av Roy Witt (1:387/22)
Ärende: Nicholas Kill's name
============================
Roy Witt wrote to Ward Dossche on Friday March 16 2012 at 06:47:

WD>> Transfers here are really fast.

RW> Here too.

Maybe at your bank. Certainly not at the two, in Florita and Cincinnati, with
which I have experience.

RW> I used what is called a Check 21, "American Electronic Transfer" to
RW> pay for an item I wanted for my race car. 30 seconds hadn't passed
RW> before I got a confirmation of payment by my bank (Credit Union) and
RW> at almost the same time, a notice that the item was scheduled for
RW> pickup at the seller's place of business. All of this transpired via
RW> this very computer.

And what did you pay for this service? The direct account transfers Ward refers
to are standard in Europe, and cost $0.00. Many banks charge nothing for
setting up an account, and no mothly charge or minimum balance. After you've
been a customer for a while - one to two years - you generally get "overdraft
privileges" (also without charge and often even without specifically requesting
them) amounting to 2.5 times the monthly deposits into your account. It's all
very convenient and quite inexpensive, even mostly without charge. The banks
make most of their money with loans and investments here, not with various fees
on personal accounts as in the States.

WD>> The European banking system is way better and customer friendly than
WD>> in North America.

RW> LOL! BS!

He didn't mean that the bank personnel all smile at you and tell you how much
they like you at every opportunity - my experience with American banks - but
that the banks are efficient and fast, and make very few mistakes, in marked
contrast to the situation in the States (my experience in Canada is too old and
limited to judge that system).

After experiencing both systems, I have to agree with Ward.

Cheers, Bob

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