Bank

Bank | A BANK IS A PLACE THAT WILL LEND YOU MONEY IF YOU CAN PROVE THAT YOU DON’T NEED IT. | image tagged in memes,captain picard facepalm,funny,bank,money,humor | made w/ Imgflip meme maker
15,957 views, 162 upvotes, Made by staronline 19 months ago memescaptain picard facepalmfunnybankmoneyhumor
Captain Picard Facepalm memeRe-caption this meme
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12 ups, 2 replies
Creepy Condescending Wonka Meme | THE BANK ALSO CHARGES YOU MONEY WHEN YOU HAVE NO MONEY IN YOUR ACCOUNT | image tagged in memes,creepy condescending wonka | made w/ Imgflip meme maker
4cent overdraft 30$ overdraft fee
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3 ups, 2 replies
But Thats None Of My Business Meme | NOW THE BANK CHARGES YOU INTEREST TO STORE YOUR MONEY, THEN LENDS IT OUT AT 8% BUT THAT'S NONE OF MY FINANCIAL BUSINESS | image tagged in memes,but thats none of my business,kermit the frog | made w/ Imgflip meme maker
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4 ups
X All The Y Meme | BOYCOTT ALL THE BANKS | image tagged in memes,x all the y | made w/ Imgflip meme maker
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0 ups, 1 reply
Steve Harvey Meme | MY BANK GIVES 2% INTREST HAS MORTGAGES FOR 3%. SO I THINK YOU MIGHT BE A LITTLE HYPERBOLIC. | image tagged in memes,steve harvey | made w/ Imgflip meme maker
At the bank I work at you can get a 7 year LOC for 4.25% or a 30 year home mortgage for 3-4%. Our highest CD is at 2% so that is a pretty fair trade I would think, after all banks do need to make money they are a business. Also all your money is FDIC insured which is not a free service, not only do you pay membership but you have to make sure you are following their regulations which cost the bank money as well. Some banks suck but not all of them. In my experience people who complain about banks the most are those who are no longer allowed to have accounts because they have over drawn accounts for $100's of dollars and never pay back the money.
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0 ups
The bank doesn't actually loan at 3%. They make $ on the loan fee and have it sold before it closes. They only keep commercial loans at 6-8% on 1-3 yr arms and car loans at up to 7 yrs at maybe 4-8%. Banks used to charge 2% over their interest pay, 1 for overhead 1 for profit. It's more than 2 point spread nie
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0 ups, 1 reply
Batman Slapping Robin Meme | WHY DID I GET CHARGED FOR SPENDING MORE THEN I HAVE IN MY ACCOUNT THAT'S CALLED A LOAN | image tagged in memes,batman slapping robin | made w/ Imgflip meme maker
Well if you spend money you don't have isn't that a loan. Most people think they should get access to more money then they have for free. Also all bank have to give you the options to opt out of overdraft, which means if you are a point of sale location and you don't have money in your account your card will get declined. If you are over drafting you have no one to blame but yourself.
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0 ups
They could just deny the charge but they don't get paid that way
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9 ups, 1 reply
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2 ups
As of the housing crises in 2008 banks are federally mandated to make a loan applicant prove that they can pay back the loan. Giving out loans to poor people, or even people who were spending outside their means is the main reason the housing market collapsed.
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2 ups
Also there are programs where banks give money to poor home owners or give them deep discounts on new homes. This is banks attempts to reinvest mainly in the inner cities.
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5 ups
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5 ups
You need to remember the bank's perspective, commie!
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5 ups, 1 reply
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4 ups, 1 reply
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4 ups
Seriously, how have they not caught on to this. I'm onto my 5th kitchen in 3 years..
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2 ups
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1 up, 1 reply
Its not that they require you to not need it, its that they want you to prove you will be able to pay it off.
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0 ups
*Fixed
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4 ups, 1 reply
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A BANK IS A PLACE THAT WILL LEND YOU MONEY; IF YOU CAN PROVE THAT YOU DON’T NEED IT.
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