[clug] Internet Banking and Linux Support.

[Karun Dambiec]

esOn Thu, Mar 12, 2009 at 05:00:38PM +1100, Daniel Pittman wrote:
> Randall Crook <rcrook at vtown.com.au> writes:
> 
> > I spent a number of hours trawling through the big banks pages
> > checking fees and account options and realised that they are all
> > pretty much the same fees wise. So it boiled down to convenience and
> > prior experience thus leading me to St George.
> 
> When I did this my partner and I ended up with the Police Credit Union,
> who didn't suck.  In general, in fact, credit unions sucked an awful lot
> less, and they are still covered by government deposit assurances.[1]
> 
> Not all of them beat out the big banks on fees, but three out of five
> did, I think, in our review.
> 


I did the same and ended up with HSBC, with pretty much no fees, except 
for a few transactions overseas. 

Their overseas exchange rate commission is a lot lower as well. For 
overseas transactions i get charged 1% and 0% for HSBC atms overseas. 
Other banks are 2.5-2.5%

I would like a credit union if their fees were better.

> > I have dealt with them before and found them passably human to their
> > customers and it is the only bank that actually has an ATM in both of
> > the closest shopping centres near my home in Richardson.
> >
> > And since the latest Bank scam is to slug you $2 for every transaction
> > on non-proprietary ATM's, that certainly is a big attraction to me.
> 
> This is new?  When I was with the CBA, um, 15 years ago they charged a
> fee on that order for ATM use other than their own, or one other big
> bank.
> 
> The same was true of the other pair: they both set a hefty fee to use an
> ATM from the non-aligned banks.
> 
> These were, nominally, to cover the fee that your bank paid directly to
> the ATM owner in return for allowing their clients to use the machine.
> 
> These fees still exist, as far as I can tell, and are still handled bank
> to bank in the background.
> 
> The recent changes to the law allow the ATM owner to *ALSO* charge you,
> the end user, directly as part of the transaction.
> 
> 
> So, now, instead of you using an ANZ ATM and ANZ billing the CBA you
> have the situation where ANZ bill the CBA *and* you, personally, for the
> privilege.  Lucky us.
> 
> > It's also great to know I should not have any trouble doing my on-line
> > banking with them. I get the feeling that the banks have, to some
> > degree, realised that MS does not own the entire world just yet.
> 
> This is a royal pain, I agree.  Thankfully my credit union use basic
> HTML and JavaScript, and they have developers who actually /understand/
> security and threat models, so I don't have a stupid
> virtual-keyboard-made-of-buttons to put my password in with either.
> 
> Regards,
>         Daniel
> 
> Footnotes: 
> [1]  At least, the ones we seriously looked at were.
> 
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