The first half of 2020 moves ODs to lowest in 15 years. Will Overdrafts continue to fall? Answer below . . .
Semper, Mike

Is the Leadership of all depositories making bad decisions on technology and risk? Read more to find out . . .
Semper, Mike

The Federal Reserve adds to policy affecting all consumers businesses, and financial institutions. Read why and how.

The economy will start coming back in earnest in the 4th quarter of 2020 – read why below.
Semper, Mike

Overdraft review will fall. Read Why.
Semper, Mike

The Fed is considering using a new tool – Yield Curve Control.
This will put more money in the system which means more deposits.
Read why and how below.
Semper, Mike

Bankers are abandoning overdrafts. Credit Union may takeover. Learn why?
Your comments are always welcomed.
Semper, Mike

There has emerged from COVID-19 and Oil prices a strong link between Treasury Bond Rates and Deposit Rates.
When will the bottom come in these rates?
Any questions or comments: call, email or text.
Semper, Mike

Small business gets hit with another blow. Is the employer responsible for an employee with COVID?
Questions or comments please: email, text or call.
Semper, Mike

Even though the consumer is internet buying while stuck at home swipe fees and ODs are down.
Yet, now is the time to lower fees for banks and credit unions and make more revenue.
Your comments always welcome.