Rebirth 79: I opened a bank in the United States

Chapter 4 Everyone Can Get Their Own Money
Goodman left the office dejectedly, cursing and saying incomprehensible words such as "don't talk about martial arts".

It was the first time for Carter to overwhelm someone as a boss, but he didn't have time to experience this refreshing feeling.Following Goodman, he also walked out of the office and went downstairs.

The counters of Black Bank use a lot of wood materials, and the lamps on the walls are also made of antique wall lamps.Unlike the counters lined up in a row in the future, the counters of Black Bank are very large and independent of each other.

A counter is like a small private room, and the customer's seat is covered by a fence to ensure the privacy of the customer.And the tellers behind the counter, without exception, are all blonde girls in their prime.Uniformly wearing close-fitting hip skirts, stockings, small high heels, and slightly tight upper body shirts perfectly showed their curvaceous figures.

Graceful figure and beautiful face!It has to be said that looking at the tellers at home, Carter also had to admire his cheap father. There are only less than [-] people in the city of Douglas, half of whom are black.

Out of the [-] white people who are just in their early years, there are so many beautiful staff members as if they were in a beauty pageant for him.But this seems to be the norm for banks these days.

The current banks are not as down-to-earth as they will be in the future, and every family is struggling.Almost all of them are sitting at home and waiting for loan seekers to come to their door, and then evaluate the borrowers with a scrutinizing gaze.
Magnificent and luxurious, or elegant and solemn decoration, beautiful female staff or male staff in suits and leather shoes are all means to support the grade of your own bank.

It's not like those hard-pressed people in the credit card departments of major banks in the future, who have to wear shirts and suits and hang badges to solicit customers under the high temperature of [-] to [-] degrees in summer
However, now is not a good time to see girls.Like a lion patrolling the territory, after glancing at everyone, Carter walked to the door and opened the closed door of the bank.

"Goodman! We want to withdraw money! Your bank can't even get my $3400?"

"Why are you closing? I just want to get my money!"

"Zinima, refund the money!"

As soon as the door was opened, Carter seemed to be surrounded by countless ducks.With some surprise, he looked at the little man at the front who yelled "refund", and Carter stretched out his hand and pressed down slightly.
In the end, it was useless!
The people gathered in front of the Black Bank were still chirping and demanding to withdraw money.Strange to say, this year Bank of America's accounts are roughly divided into three categories: savings accounts, checking accounts, and time deposit accounts.

Savings accounts and time deposit accounts are easier to understand, similar to domestic demand deposits and time deposits.Banks will pay depositors interest on both types of accounts, the savings account is relatively low, and the fixed deposit account is relatively high.The only difference is that you need to inform the bank in advance before withdrawing money from the savings account. Depending on the amount, you need to inform the bank of your withdrawal needs [-] days in advance, from payment within [-] days.

Basically, as long as the depositor wants to withdraw money, the bank must pay the depositor within the specified time.In terms of convenience, it is still worse than the current domestic demand deposits in the future.

As for the third type of checking account, this countryman has hardly used it.The checks that often appear in foreign movies are actually the money in this account!
Banks do not pay interest on checking accounts.Instead, checking accounts are the most commonly used accounts by most Americans.After opening an account, deposit money, and then the bank will send you a check book. For daily consumption, you can directly tear up the check and sign for payment. The merchants who receive the check will take the check to the bank for cashing.The bank will deduct the money from his checking account based on the signer's information on the check.

So the kind of people who take out a check and ask people to fill in the numbers will basically never happen in reality.Because these three types of accounts were very independent of each other before the emergence of ATS accounts and NOW accounts.

Even if you have a million dollars in your savings account but only $[-] in your checking account, if you write a check for $[-], the bank will not cash it for you.

So here comes the problem, the most used checking account, my bank has been cashing it as usual.Logically speaking, it is impossible for the current credit crisis to occur.

Carter admitted that for this kind of rural small bank, or small business.The death of the founder will indeed reduce a lot of trust from the masses, but as long as the operation of the bank is not interrupted, this kind of distrust will not erupt so quickly, but will slowly re-establish trust in the successor.

After all, the bank will not collapse, their funds are safe, and their lives are convenient, so there is no reason not to trust them.Maybe there is a black hand under the same trade?

"Be quiet, everyone, and hear what Little Black has to say!"

Finally, the senseless din stopped.All eyes were on Carter, and Carter, who came back to his senses, looked at them with a smile on his face.

"I have nothing to say, Black Bank, as always! Whether it is withdrawing money or cashing a check, we accept everything!"

Carter's confident words, like a fire, were thrown into the dry woodpile of the crowd, and the noise that had just stopped for a few seconds rang out again.

"Little Blake, do you mean that you can withdraw the full amount regardless of the savings account or the checking account?"

"Of course you can. If you deposit money in our Black Bank, you have the right to take it away! This is your money!"

Carter's tone remained flat, and the smile on his face did not change at all.To be honest, talking to the hundreds of people in front of him would not put any pressure on Carter at all.What's more, it is only natural to say the solution by yourself, and it is the best solution to the problem.

Aren't you worried that Black Bank has no money?It’s ok, take it as you like, let it go and let you take it away!When everyone gets the money, this sense of distrust will naturally be broken.

"Then I'm going to take my three thousand dollars now!"

"No problem! Come in! There are other people, you can also take your money, just line up quietly, I guarantee everyone can get their own money!"

As Carter said, he leaned aside and gave way to the door.After watching the crowd gradually quiet down and start to line up in an orderly manner, Carter continued:
"Actually, you don't have to worry about the reputation of Black Bank. Our Black Bank purchased the deposit insurance of the Federal Deposit Insurance Corporation for each of you as early as 1973. Even if one day, our Black Bank really goes bankrupt, it belongs to your money No less!"

"FDIC's deposit insurance provides an insured amount of up to [-] U.S. dollars for each depositor's deposit! If I remember correctly, there are not many customers of our Black Bank who have deposits of more than [-] U.S. dollars? That is to say, almost all will People who store their dollars in Black Bank can sleep soundly at night!"

(End of this chapter)