I’d Rather Fight than Switch My Bank

by Karen Topakian

A recent post on Good urged people to leave their big banks on Nov. 5, Bank Transfer Day. For smaller community banks or credit unions.

If you’re looking to move banks, here’s a major shout out to Community Bank of the Bay.

I’ve been a depositor at this Oakland-based bank since the last millennium.  And I’ve never looked back.

My switch occurred when the Agape Foundation’s bank, Wells Fargo, announced it was charging its business customers a fee for depositing funds too frequently. Our accountant told us to deposit checks whenever we received them but our bank now was going to charge us to do so.

I complained about it to our financial manager, Kate Campbell, who recommended that we switch. To Community Bank of the Bay.

Once I looked into their services, philosophy and mission, I was sold.

I loved them so much that I made them my personal bank. And recommended them to every one of Agape’s fiscal sponsorship groups and grantees.

Through the years, Agape deposited millions of dollars at CBB. All by mail. Not one deposit was ever lost. Community Bank of the Bay even sponsored Agape’s annual peace prize event.

Here’s why I love them. This bank answers the phone when I call. And they know who I am. I can bank online. If I use ATMs anywhere in the world, they will refund me a maximum of $10 a month for the fees charged by the other bank. Their staff members are courteous, intelligent and helpful.

Plus they offer a Bay Area Green Fund providing financing to local green businesses for green purposes. And they were the first Green Bank in Oakland.

Tell me, does your bank match up?

Netflix business model – items arrive when you need them

by Karen Topakian

Netflix has such a good business model that others are jumping on the bandwagon. Caroline O’Connor started a clothing business for parents. Sending children’s clothing in the size you need at the time you need. You won’t have to store clothes for a 2 year old when your tiny tot is only 9 months.  Once they’ve outgrown them you send them back and the next size arrives.

This idea made me think about other items that would be useful to receive when you need them. Here are a few of my ideas.

Christmas holiday decorations, cards, wrapping paper and bows. Order them in Nov for a Dec 1 delivery. Pack’em up and ship’em back on Dec 31.

Camping gear. If you only camp in the warm weather, why store your camping gear for 9 extra months? Instead, order a full camping set: tent, sleeping bag, tarp, cooking gear…in the spring. For delivery when you you’re ready for the great outdoors. Send it back at the first sign of frost.

Tampons. If you’re on the pill you know when you’ll need them. Place the order every month for the delivery date that meets your menstrual needs. In this case, don’t send them back. Just flush them.

What are your ideas for receiving items when you need them?