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Moebs in the News

Starting March 1, 2024 Moebs $ervices Reports will be a subscription service.


Are Websites Waning?
February 20, 2024

Does your Website bring you business?
Let this story guide you through the Dos and Don’ts.
Not showing what consumers want from a Website loses business – read why in the story.
Semper, Mike
Starting March 1, 2024 Moebs $ervices Reports will be a subscription service.

Overdraft List vs. Actual Price
February 07, 2024

A number of readers informed us that the title needed adjustment. Thank you observant readers.
What is the overdraft price?
A new method of measuring using Big Data with AI technology shows the way.
There is a big difference in OD list price vs. OD actual price. Read the answer below in the report.
Semper, Mike
Starting March 1, 2024 Moebs $ervices Reports will be a subscription service.

Deposit Account Usage
January 28, 2024

What deposit accounts are most important?
The Moebs Services answer is what all Americans love!
We ranked what over 75% of Banks, CUs, Thrifts, and Fintechs offer.
No one comes even close to how Moebs ranks all deposits – read ranking story below.
We welcome and want your comments.
Semper, Mike

Truth in Overdrafting
January 21, 2024

At stake are 2 Constitutional questions needing answers from Congress & the American people NOT the CFPB.
Is Overdrafting a service needed and wanted by U.S. citizens?
Should pricing of services & products be done by the marketplace or government?
Please send a copy of this report to your Congressional Senators & Representatives.
Semper, Mike 

Rates Too Low (Revised)
January 15, 2024

Do you want to lose those stimulus funds your savers have horded?
Money Market Mutual Funds are taking them away to the tune $767 Billion in 2023!
You can stop this with just one account – read this Moebs report to learn how.
Semper, Mike

Overdrafts Under Pressure
January 08, 2024

The Consumer Financial Protection Bureau would like to bypass Congress on Regulations.
The CFPB report of December 19, 2023 is another installment to get this done.
The Federal Reserve established in 1969 overdrafts are credit but not a loan when Congress passed Truth in Lending.
Should Congress or Rohit Chopra, Director of the CFPB, determine this?
Happy New Year!

Checking Profitability Recipe
December 10, 2023

Transaction Account (Checking) is the most complex financial service.
It represents both a Demand Service (Free Checking) and a Supply or Deposit Service (Pays Interest).
Marketing and maintaining a T-Acct requires Profitability Analysis – Read this Report to Learn How.
Happy Holiday & Successful New Year,
Semper, Mike

Money Changes Everything
December 03, 2023

Total balances of Transactions, Insured Savings, & Uninsured Deposits forecast the probability of a recession.
Are Transactions King? What will determine the degree and longevity of economic troubles ahead?
Answers in this critical report for planning 2024 fees, rates, & balances.
Semper, Mike

Doing Fees Wrong
November 12, 2023

Debit & Credit Cards provide valuable interchange.
Do not be victimized by Visa & Mastercard price increases.
Read to find ways to do plastic cards right for your financial institution.
Semper, Mike

Overdrafts Soar
October 29, 2023

Basic economics: lower the price and demand for the service rises.
Financial service executives are finding the old, high overdraft price kept volume low.
This report shows how features of checking and ODs can be changed to influence more business.
Semper, Mike

Deposit Rate ± Signals
October 22, 2023

Deposit Rates are coming out of a long hibernation and roaring like a Bear!
Deposit Rates of three, four, & five years are countering Treasury Rates and falling.
Will Powell follow the lead of depositories and start dropping rates? Read on to find out.
Semper, Mike

Winners at Overdrafts
October 16, 2023

An overdraft price above $20 is not profitable.
A price below $20 makes money and keeps the CFPB & FTC off your back.
Walmart & Bank of America prove this every day.
Semper, Mike 

Gold Reflects Deposit Pricing
September 17, 2023

Gold existed with humanity long before Jesus Christ was on earth.
Private economist Dr. Robert Genetski gives a unique insight into Gold pricing.
Reflect on the historical, strategic significance of this article for deposits and loans.
Genetski was one of my teachers at the University of Chicago, although we are about the same age.
(His recent book, “Is There Evidence For God?” is an outstanding read to supplement any bible.)
Your comments – positive, negative, or indifferent are strongly welcomed.
Semper, Mike 

What Checking Works?
September 11, 2023

Checking is the most important financial service, dominated by Walmart.
Bank of America is challenging Walmart every step of the way.
What type of checking will let you compete with both these approaches and win?
Read further and find out.
We welcome all comments.
Semper, Mike

Chair Powell Speech Synopsis
August 29, 2023

This is a condensed version of Chair Powell’s Speech at Jackson Hole, WY. It is less than 1/3 of the original and fits on 1 page.
Semper, Mike

Megatrends – New Directions Transforming Our Lives
August 20, 2023

Content Analysis is the essence of “Banking Megatrends” report.
John Naisbitt’s book is a key tool in strategic planning to track and study financial trends.
This narrative condenses in less than 800 words how to use content analysis.
For more information, contact us.

Oppenheimer & Overdrafts
August 06, 2023

At the end of World War II at the movies: ticket 34¢, bottle of coke a nickel, and popcorn a quarter.
Oppenheimer was considered a hero for building the bomb which stopped the war.
And overdrafts were only for the rich.
Times have changed. Yet if your OD price is $20 or higher learn how to make more for less.
Semper, Mike

What Rate Works?
July 23, 2023

The key to deposit pricing is the uniform movement of all deposit services simultaneously – read report below.
This report needs to be paired with M$’s report last week: “Money Hikes Rates”
Your thoughts and comments are needed and welcomed.
Semper, Mike

Money Hikes Rates
July 16, 2023

Often what is apparent is not. The Price of Money is like this.
This article reports how money is driving the price of interest rates, not vice versa.
Your comments are always welcomed whether positive, negative, or indifferent.
Semper, Mike

Financial Stability and Macroeconomic Policy
June 26, 2023

Federal Reserve Governor Christopher J. Waller, June 16, 2023
Speech at "The Future of Macroeconomic Policy," a conference sponsored by the Norges Bank, the International Monetary Fund, and the IMF Economic Review, Oslo, Norway Synopsis by G. Michael Moebs, Economist, CPA & Chair Mobs Services, LLC a Private Financial Service Research Firm.