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Moebs in the News

Falling OD Price Increases OD Revenue
September 29, 2022

Overdrafts are not Junk Fees nor Surprise Fees.
Overdrafts are seat belts for the Checking Car for the Average American.
Your comments and questions are welcomed.
Semper, Mike

Financial Service T-Rex
September 25, 2022

It is not assets that rule the depository businesses. It is having 1,000,000 or more consumer checking accounts, i.e., transaction accounts, or T-Accts for short.
“Tyrannosaurus Rex was the largest and most fearsome dinosaur of all time. BiG Checking has 28 financial institutions (FIs) with 1 Million or more T-Accts. – these are the T-Rexes of financial services,” states Michael Moebs, Economist & CEO of Moebs $ervices (M$) a financial service economic research firm.

Payday Lenders Grab Overdrafts
September 11, 2022

Payday Lenders are big business targeting your consumer overdrafts.
Under a $200 daily overdrawn amount their price is lower than most depositories.
After reading the story, your views are important to us.
Semper, Mike

Most Important Consumer Fee?
August 21, 2022

OD Revenue Increase Yet Not to Pre-COVID Levels
"When times are good the consumer overdraws more. When times are bad overdrafts happen less"
G. Michael Mobs, Pricing Financial Services, copyright 1986, current edition.
This is a summary of how overdrafts have dramatically changed with COVID:

Walmart Wants You
August 08, 2022

Walmart is the dominant consumer checking portfolio. 
At 101 Million Checking accounts Walmart has 33M more checking than Number Two, Bank of America!
Read below how this happened, what Walmart offers and how to beat them.
Semper, Mike

How COVID Changed Financial Services Forever!
July 26, 2022

The following report will outline in detail how financial services has dramatically changed since COVID started in 2019.
There is more information via the email shown later in the report.
If financial institutions do not change soon Walmart will take over checking accounts in USA.
Semper, Mike

Evil Payday Loans vs Sinful Overdrafts
June 23, 2022

Do Payday Lenders deserve the bad rap they have?
Why are millions of Americans going to Payday Lenders?
Are Banks and Credit Union Fees from Overdrafts in Trouble?
Read the answers.

McDonald's Rescues Bank Fees
June 14, 2022

How can you determine a fee price especially with inflation?
Do what the Europeans, Canadians, and Australians do – Use McDonald’s Quarter Pounder w/Cheese.
This article shows you how and why.
Semper, Mike

Update 1 Million+ Checking Club
June 08, 2022

The Million+ Checking Club is growing and is now 31 financial institutions (FIs).
Can David (FIs < Million Accounts) beat Goliath (FIs > Million Accounts)?
Goliath is more than 74% of all checking accounts. Read how David can win.
Semper, Mike

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

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