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Who Was Best Fed Chair?
May 23, 2022

No one has ever ranked all the Federal Reserve Chairs performance.
The Great Depression was caused by a large depression in the money stock.
This report grades the Fed Chairs by their monetary performance.
Your comments are invited.
Semper, Mike


What is Your EOS?
May 10, 2022

The economy of scale (EOS) is complex. Moebs $ervices has a patent pending on EOS.
Calculating a diseconomy of scale is the way to properly measure EOS.
This report explains EOS and shows a shadow EOS.
Comments always welcomed.
Semper, Mike


Part II Conclusion of Moebs $ervices Overdraft Study
April 26, 2022

What follows is Moebs $ervices Study on The Evolution of Overdrafts done in two parts. This is Part II – the Overdraft Solution. Part I – the History of Overdrafts was provided in the previous issue.
If you would like a copy of the full study email Tracy@Moebs.com.


What if overdrafts are eliminated?
April 19, 2022

The result would be: 
678.2 Million debit cards purchases of gas, groceries, dentist, etc., would be declined.
60 Million Americans’ ACH payments returned NSF for cell phones, auto loans, mortgages, etc.
$33.4 Billion of overdraft revenue would not be charged the consumer.
111,000 financial institution employees would lose their jobs.


Who Has the Highest Overdraft Limits?
March 22, 2022

23 States have not changed limits on overdrafts in 24 years.
With compliance risk looming, is this lack of consumer concern smart?
Read how moving OD limits can reduce compliance risk, increase profits, and be consumer friendly.
Semper, Mike


What's Your OD Fee?
March 09, 2022

“Statistically, the average and median make the OD price standout,” notes Michael Moebs, economist & CEO of Moebs $ervices, the economic research firm who has done the largest and only statistical survey of bank fees for 36 years.
I encourage your deeback and comments.

Semper, Mike


The Checking Perfect Storm
February 22, 2022

Walmart and Bank of America are taking over the checking and overdraft business.
These two institutions have 31% of the nation’s checking business now.
Read the story below then email, text, or call with any questions.
Semper, Mike


Walmart and Bank of America Want It All
February 07, 2022

Walmart and Bank of America are taking your checking and overdraft business.
If fee revenue is 25% or more of your net income, start now - don’t wait for the herd.
Read the story below then email, text, or call with any questions.
Semper, Mike
 


The Covid Economy - Now and Future
January 08, 2022

This is an economic review of COVID using 2018 as a base of comparison.
What to expect economically going forward is the essence of this writing.
Access graphs that accompany this email by clicking here
Your comments are always welcomed.
Happy New Year.
Semper, Mike

 


Overdrafts Limits Get Speeding Tickets
December 14, 2021

COVID is speeding up dramatic changes in fee income at all financial institutions.
Overdraft limits are the key to helping consumers juggle financial hardships, lowering OD price, and retaining revenue.
Limits are tied to debit card usage. The surprise is the new competitor for ODs and how they will take over the market.
The answers and the new strategic direction are in the read below – don’t miss out.
Happy Holidays, Mike 


Fee Revenue Lost in Time
December 07, 2021

How often are fees changed? A question never asked to depositories.
The answer is devasting for checking users. Dreadful for some providers. Yet, dynamic for other depositories.
See how 3,309 financial institutions, some just like you, answered in November – last month.
Happy Holidays, Mike


Time to Change Overdraft Policy
November 16, 2021

COVID-19 has dramatically changed how overdrafts operate reflecting consumer behavior.
At Moebs $ervices we summarize this in two statements:
Grandma bounces but Mom swipes; and
If you can’t stand the heat, get out of the Overdraft Kitchen.
This report is a recipe or overdraft plan for the rest of the decade.
Contact me to discuss how your plan is unique.
Happy Thanksgiving, Mike


How to Establish Deposit Rates
November 08, 2021

‘Tis the season to be rate jolly. Why? If you don’t change deposit rates soon, competitors will. Read how and why below:

 

About Moebs $ervices
Since 1983, Moebs $ervices, Inc. independently collects statistically significant primary and secondary empirical data at 87,181 locations of financial institutions.
Moebs $ervices is data, information, and intelligence.
For more, please visit www.Moebs.com.


The Rates They are A-Changin!
October 25, 2021

Rates will move very quickly in the next several months.
Learn why and how with this report below.
Any questions, comments or opinions are welcome.
Semper, Mike


Why Overdrafts Will Always Be With Us
October 08, 2021

For many years, the House of Representatives had their own bank.
Rubbergate closed the bank. Even our Representatives have trouble managing their financial affairs as do about a third of Americans.
COVID-19 brings us closer to lower OD fees and higher OD limits which are needed by consumers.
Your comments, questions and opinions are welcomed.
Semper, Mike


Overdrafts Are Hot!
August 16, 2021

Are free overdrafts for you?
Did PNC Bank, Ally Bank, Alliant Credit Union, and the Walmart Bank do what you can do?
All the answers, here, so please read on. Send or call with any questions or comments.
Semper, Mike


Fed Restructures Deposits – Walmart Cashes In
July 21, 2021

There is about $17 Trillion in deposits at banks, credit unions, fintechs and savings banks – 20% came in the past 18 months.
Alexander the Great was asked as he was dying who takes over his army. His last words were, “To the strongest.”
The Federal Reserve has re-defined depository deposits and Walmart is the first to start mining.
The following lays out a plan for every financial institution to lay claim and start mining Transaction Accounts quickly.
Semper, Mike


Overdraft Fees Fell in the Covid-19 Economy
June 28, 2021

IOverdraft Fees Fell in the Covid-19 Economyn the past month overdrafts in checking has frequently appeared in the media.
Two major stories are included below: Wall Street Journal and New York Times.
Moebs $ervices is the primary source of overdraft data for both publishers.
Interesting copy highlighted for your convenience.
Have a Joyous and Safe 4th of July – Home of the Free because of the Brave.
Semper, Mike
 


Fee Revenue Inches Forward
June 23, 2021

While Service Charges are still down in revenue for financial institutions yet starting to nudge up – see why and how below.
Semper, Mike


Zero Dark Overdrafts
June 08, 2021

Hopefully the Ally Bank move will help to lower the price of overdrafts by other financial institutions but not zero it out.
Semper, Mike