Volatile Rates Ahead?
Basic supply and demand forces dictate volatile deposit rates well into 2020
Read why below.
Any questions: email, text or phone.

The overdraft price has gotten unreasonable.
About 1% of all depositories charge $40 or more.
A lower OD Price will provide more revenue.
Email, call or text with any question or comment./p>

Until two years ago Free Checking was the most dominate financial service.
What happen to have financial institutions drop free checking?
Read about free checking’s demise below.
Your comments welcome.

Deposits now act like bonds. Deposit rates are changing like bond rates.
All deposit rates are falling and have for much of 2019.
Why can’t the Fed see this?
Text, call or email with comments or questions.

Deposits now act like bonds. Deposit rates are changing like bond rates.
All deposit rates are falling and have for much of 2019.
Why can’t the Fed see this?
Text, call or email with comments or questions.

There is a crisis of information brewing in financial services.
There is an easy solution or a difficult one.
Your comments are needed, so text, email, or call and tell us.

Mobile Devices & Apps will initially lower overdraft usage.
The impact will lower OD prices, higher OD limits and a more educated user.
Your comments welcomed via email, text, or phone.

In 5 years maybe 10, coin, currency and paper checks will be just about gone.
Mobile Devices lead by Smart Phones will become as common as footwear.
Yet some will chose to go bare foot.
Text, phone, email with any questions or comments.

Deposit Interest Rates signal the Fed should decrease rates. But will they?
What Milton Friedman Might Tell the Fed?

Looky, looky, looky, 6mo CD to 60mo CD rates fall.
Savings, Checking, Money Market and 1mo  & 3mo CD rates stay the same.
Credit Union double all the rates of Banks, Thrifts & Fintech,
My Oh My Chair Jay Powell what is the deposit marketplace telling you?
Questions, comments and more welcomed.