Conference 7.286::dcu

    I'm filing a change to my weekly deductions to stop deposits
    to my "holiday" club.  Savings account accomplishes the same
    thing.
    
    I don't know about everyone else, but I buy Christmas
    presents all year long as things go on sale.

    Steve, this was announced when the whole relationship program was
    announced.  It was discussed in here quite a bit before that.  If you
    don't want to use your Christmas Club account in the way Christmas
    Clubb accounts were designed to be used, you can open up another Club
    account. 
    
    Keep in mind that there are restrictions even with the other club
    accounts under this new relationship deal.  I've closed one of mine
    because of it and told the DCU in writing exactly why I did so.  It
    probably won't mean a thing since the same amount of money will be
    deposited into DCU.

I knew about this in advance, and I *thought* I read about
it in here, but I might be mistaken (and can't find the discussion).  
Perhaps it was in one of those newsletters that come with the 
statements.

Brian

    
    Re: .2
    
    I knew that changes were being planned but had heard nothing
    about a $5 penalty for closing an account!!!  That was a total
    surprise!
    
    I know Christmas Clubs in *banks* were designed to be used 
    differently BUT they pay a higher interest rate to compensate
    for the restrictions.  
    
    I've seen no notice that I am now going to be getting a higher
    return on my deposits AND I am particularly POd by the $5 penalty
    for closing it!
    
    Steve
    

�    I know Christmas Clubs in *banks* were designed to be used 
�    differently BUT they pay a higher interest rate to compensate
�    for the restrictions.  
    
    Of the 3 CUs I've dealt with, DCU was the only one to handle Christmas
    Clubs the way they did.  This was probably the reason why they paid
    lower interest on the account.

    
    I just went by the ZKO branch and got the one-pager titled
    DCU Account Changes Effective January 1, 1994.  Nowhere on
    this DCU document is there ANY reference to a $5 fee for
    closing a Holiday Club account NOR is there any reference
    to restricted access to the funds.
    
    Steve
    

>    I just went by the ZKO branch and got the one-pager titled
>    DCU Account Changes Effective January 1, 1994.  Nowhere on
>    this DCU document is there ANY reference to a $5 fee for
>    closing a Holiday Club account NOR is there any reference
>    to restricted access to the funds.

That sounds fishy, to say the least.  Is the $5 really a closing
fee, or an early withdrawl fee?  In any event, it seems a significant
enough change to warrant mention in the flyer you received.  This
might be worth following up with a customer service rep...

Brian

    
    Re: .7
    
    > That sounds fishy, to say the least.  Is the $5 really a closing
    > fee, or an early withdrawl fee?  In any event, it seems a significant
    > enough change to warrant mention in the flyer you received.  This
    > might be worth following up with a customer service rep...
    
    According to the person that I talked with on the DCU hotline they term
    it an "early withdrawal fee", but what I'd like to know is why the need
    for the fee to begin with?  According to their Rate Information schedule
    dated January 3, 1994 we are being paid the same savings rate on the
    Holiday Club as we are being paid on the regular savings.  I would have
    already closed the account if this little detail had been clear.
    
    Oh, by the way, I did follow up with a customer service rep on the
    DCU hotline who in effect told me that since they sent out so much
    stuff about this I'd have known about if I had read it all so it was
    my problem.  That attitude alone is enough reason to make big
    changes at the DCU.
    
    
    Steve
    

�According to their Rate Information schedule
�    dated January 3, 1994 we are being paid the same savings rate on the
�    Holiday Club as we are being paid on the regular savings.  
    
    In my mind, this is the issue that should be under attack.  I
    personally don't mind them changing the Christmas Club to conform with
    a "traditional" Christmas Club (probably since that is the way I use
    it), but they should go the extra step in the process and pay a higher
    interest rate.

    This is, I believe, a part of what I was talking about in another note
    about quality savings that can essentially matched against a loan.
    Although Phil doesn't believe DCU do their business this way. 
    Certainly other banking organizations I have dealt with do work
    in this manner.
    
    But, yes, any organization that does require an early withdrawal fee
    should provide a premium interest rate.  There is no reason therefore
    to have a Club account, apart from the accounting convenience.
    
    I do my own accounting, so it all goes in two pots ... savings and
    chequing, and divided into "accounts"  by my own bookeeping. So a
    change like this doesn't bother me, but I can understand how it
    might bother others.
    
    Stuart

    
    Re: .9
    
    >In my mind, this is the issue that should be under attack.  I
    >personally don't mind them changing the Christmas Club to conform with
    >a "traditional" Christmas Club (probably since that is the way I use
    >it), but they should go the extra step in the process and pay a higher
    >interest rate.
    
    I agree.  Without the higher interest rate it ISN'T a traditional
    Christmas Club.  It's just another way for the DCU to grab more of
    its owners money.
    
    Steve
    

    Yes, and the DEFCU never should have changed the Christmas Club account
    that we've had for many years. It was fine the way it was. And it
    operated the way a normal Christmas Club should.
    
    -Glenn-

    	This is the first I've heard about the change in Christmas club
    accounts.  Both mine and my wife's will be closed by the end of the
    week.  More accounts will close right after elections if this and other
    recent fees aren't reversed.  Assuming that a no fees majority gets
    elected to the BoD might I suggest looking for new management that 
    will perform the way the owners want it to.

    Joe

    This is going to sound odd, but recently I opened a Holiday account.
    The reason?  I have an expense at the end of the year that I need to
    make SURE is "covered."  Thus, I need to make the money "hard" to get
    at.  (It provides a reason that I can give when I'm asked for more
    money from, um, a family member.)  So, I don't really care what the 
    interest rate is, so long as it's deducted from my paycheck 
    automatically and I "can't" get at it until near the end of the year.  
    I know it may not make economic sense, but it sure does make political 
    sense in my situation.
    
    Steve

    Um, well, in that case, why don't you just have your mother or someone
    else hold the money for you. A lot of people seem to use the IRS this
    way too.
    
    If I want "forced savings" I'll work that out somehow. But the
    Christmas Club I signed up for didn't used to have this forced savings
    (read: make more money for the DEFCU) concept.
    
    -Glenn-

�    Um, well, in that case, why don't you just have your mother or someone
�    else hold the money for you. A lot of people seem to use the IRS this
�    way too.
    
    They don't pay any interest at all.

>    They don't pay any interest at all.
    
    Which if you read the person's reply that I was referring too
    interest isn't an issue for him in this "forced savings account" (aka
    Christmas Club account).
    
    -Glenn-

�                               -< Not an issue >-
    
    And if you want access to your "Christmas Club", that isn't an issue
    either -- open a U-Name-It or other club. 
    
    There are some restrictions on those, but I think they only involve
    minimum balances.

    re: .15
    
    Simple.  My mother (or someone else) can't take it automatically out of
    my pay check.  And, frankly, I don't trust my mother (or someone else) 
    with safekeeping my money as well as providing a reasonable sounding
    excuse for me to use when someone taps me for extra dough.  
    
    "What?!?  He doesn't trust his mother?"  Truth be known, my mother 
    inherited about $250K back in the 50's/60's.  Almost all of it was 
    "invested" in horses, worm farming, chihuahuas and real estate.  
    There's hardly a dime of it left.  So, no, I wouldn't let her 
    "safeguard" my money.  
    
    Oh, I get it!  She must have put YOU up to .15 JUST TO GET MY MONEY!
    Well, I'm going to have to call her up tonight and give her a PIECE 
    OF MY MIND!  See?  THIS is the kind of stuff I have to put up with --
    family members always trying to get my money.  Well, good thing I 
    opened a Holiday account!!  ;^)     
    
    Steve

>    And if you want access to your "Christmas Club", that isn't an issue
>    either -- open a U-Name-It or other club. 
    
    Sure, until the board decides that you can't use checks with the share
    draft accounts anymore. If you do, it'll cost you $5 each check. Go
    open a "Fred account" if you want checking services for free.
    
    You (macneal) ignore the whole point: the board has decided that all of
    us who were happy with the old Christmas Club account and the correct
    way that it worked must now burden themselves an open another account
    to do the same. This is needless and pointless work being placed on the
    customers. The board should not only recind the new account fees
    they've created but it should also give us back the Christmas Club
    account we've always had and continue to call it a "Christmas Club"
    account.
    
    -Glenn-
    

    RE:.18

    >And if you want access to your "Christmas Club", that isn't an issue
    >either -- open a U-Name-It or other club. 
     	
    	They didn't give me that chance.  If I want to do that I now have
    to pay $5 to get my money out of this Holiday account that I didn't
    open to start a U-Name-It.  If they no longer wanted to service my
    Christmas club account the way we agreed when I opened it they should 
    have sent me a check and a note explaining why the account was closed.
    Instead I now have (for a very short time) an account that I have to pay
    to get my money out of that probably has some kind of monthly maintenance
    fee attached to it.  

    Joe 

    Good point, Joe.  I think a one time option to switch the money to
    another account without a fee should have been given.  Afterall, DCU
    would still have the money on deposit.  This would be kind of an
    amnesty program for those who missed the announcement that this change
    was coming.

I don't think there ever was an announcement (except in this conference, and
then it wasn't "official").

This is purely something the board wanted to do and did! Change the rules from
under our feet yet again.

-Glenn-

    
    Re: .23
    
    > I don't think there ever was an announcement.
    
    Au contraire, Glenn.  We were informed.  I was assured by the
    person on the DCU hotline that all this information was in one
    or more of the several mailings that had to do with the changes.
    When I told her that the DCU missives are generally rambling
    and unclear and that she seemed to be saying missing them is the
    customer's problem.  She immediately agreed that it is the customer's
    problem if they throw the announcements away without reading them
    well enough.  
    
    Again, I have no doubts at all who will be getting my votes.
    
    Steve
    

Well, I received the mailing containing the changes to accounts. Perhaps I
missed the Christmas Club one, but I thought I read them rather closely
(although this was a while back now).

-Glenn-

    RE:.23

    >When I told her that the DCU missives are generally rambling
    >and unclear and that she seemed to be saying missing them is the
    >customer's problem.  She immediately agreed that it is the customer's
    >problem if they throw the announcements away without reading them
    >well enough.  

    	I never saw any announcement but I suppose like she told you that's
    my problem.  Folks it's not enough to reread and triple read all
    mailings from DCU anymore I suggest that you stop in at your local
    branch at least once a week to make sure that they don't have fliers
    there about new fees and what they plan on doing with your money.  My
    Christmas club will be gone by the end of the week and slowly but
    surely so won't everything else.

    Joe

What they should have done since they insist on changing the rules to the
Christmas Club account is to have *automatically* moved current Christmas Club
account money into a U-Name-It club that has the same rules as the old Christmas
Club account. Then they should have given us the option to re-open a new
Christmas Club account with the new forced-savings restriction. That probably
would have kept most people happy - they'd still have the same access to their
money without having to pay some damn fee.

But what do I know? Apparently, I don't even know that there's only one, true,
cosmic defintion for how a Chirstmas Club is supposed to work. Silly me...

-Glenn-

    
    screw the christmas club......
    
    we get paid by Digital weekly, make your household budget based on
    4 week months.
    
    There's 4 months out of the year when you will get an 'extra' week's
    pay (five weeks in those months) .  Two weeks right around late
    spring/early summer, two right around the end of the year.  Use two to 
    finance a vacation, and two to pay the bulk of your christmas costs.....
    use your current Christmas Club withdrawal to fill up a regular savings 
    account.
    
    In '94 you'd get the extra paychecks in March, June, September, and
    December.
    
    this has worked pretty good for us for 5 years now.
    
    --Bert

    
    I checked both my November and December statements last night very
    carefully - there was NO information in either one of them
    about changing the Christmas Club to the Holiday Club much less a $5.00
    charge.
    
    I closed my savings account and plan on putting that money as well as
    my check from Cigna into a savings account in my home town which has no
    charge.  
    
    I am also thinking of doing away with the "Holiday" Account but than
    again it might be better if I can't touch it.  I called the Credit
    Union, the only time you can get the money is at the end of October
    when "they" either put the money into your account or mail you a check
    so I don't know why it's called a "Holiday" Account.
    
    Dianne

�    I checked both my November and December statements last night very
�    carefully - there was NO information in either one of them
�    about changing the Christmas Club to the Holiday Club much less a $5.00
�    charge.
    
    That's because you are looking in the wrong place.  Look at the
    separate document that discusses Relationship Banking and the new fee
    structure.
    
�I called the Credit
�    Union, the only time you can get the money is at the end of October
�    when "they" either put the money into your account or mail you a check
�    so I don't know why it's called a "Holiday" Account.
    
    Because if you go to just about any other institution in the country,
    they have accounts which are set up to save throughout the year and
    release money in time for the bulk of the Holiday (Christmas is too
    secular) shopping season.  Yes, some people do their December gift
    buying in February.  This type of account may not be good for them.

>    Because if you go to just about any other institution in the country,
>    they have accounts which are set up to save throughout the year and
>    release money in time for the bulk of the Holiday (Christmas is too
>    secular) shopping season.  Yes, some people do their December gift
>    buying in February.  This type of account may not be good for them.

Although the old Christmas Club account was perfectly acceptable and I'll even
presume most people opened one because it had the rules of access that they
wanted. It makes no difference whatsoever if 99% of the accounts across the
country� don't let you withdraw until the end of October; that's no reason to
change how the DEFCU's Chrismas Club worked.

I shop for presents all year round and the old Christmas Club was perfectly
suitable to me (and I'll presume again, to most people who also had this
account).

-Glenn-

____________
�And how you can make a wild-assed guess like "just about any other institution
in the country [...]" is beyond me -- what happened to the "facts". This may be
your limited experience but I don't imagine that you've queried the thousands of
institutions across this country on how they set up their Christmas Club account.

>Although the old Christmas Club account was perfectly acceptable and I'll even
>presume most people opened one because it had the rules of access that they
>wanted. 
    
    I assume from your footnote that you have done a member survey.
    
�I shop for presents all year round and the old Christmas Club was perfectly
�suitable to me (and I'll presume again, to most people who also had this
�account).
    
    You can still meet your needs with other DCU product offerings.  I
    agree that charging $5 to move the money to one of the other product
    offerings is bogus.  I have also stated that if they decided to go to a
    "Traditional" (based on my dealings with several institutions over 3 or 4
    states and from comments made by others on this subject) Christmas
    Club, they should go all the way and offer a higher interest rate.

RE: Note 745.32 by USCD::DOTEN

>�And how you can make a wild-assed guess like "just about any other institution
>in the country [...]" is beyond me -- what happened to the "facts". This may be
>your limited experience but I don't imagine that you've queried the thousands of
>institutions across this country on how they set up their Christmas Club account.

I have a feeling that the junk mail survey helped him come to the conclusion that
'everyone' is doing it.

I wish he would present 'facts' about everyone else.

	- mark

    
    I have asked DCU management to consider a complete waiver (for 1 or 2
    months) of the $5 account closing fee.  For whatever reason, it seems
    that there are many members that were caught unaware of these changes. 
    Why doesn't really matter IMO.  But I see no reason in ticking anybody
    over a $5 fee that we obviously don't need.  I am awaiting a response.

>>Although the old Christmas Club account was perfectly acceptable and I'll even
>>presume most people opened one because it had the rules of access that they
>>wanted. 
>    
>    I assume from your footnote that you have done a member survey.

Yes. I called all 80,000 members just this morning. My statement is just as
accurate as your generalized statements are.

Presumably, the account was perfectly acceptable or people wouldn't have opened
them. Now your gonna tell me people enjoy opening accounts which they don't like
how they operate.


>You can still meet your needs with other DCU product offerings.

No kidding! No one's saying otherwise. Watch my lips: I shouldn't have to go and
move my funds to another account to do this. The rules of the Christmas Club
never should have changed.

-Glenn-

>    I have asked DCU management to consider a complete waiver (for 1 or 2
>    months) of the $5 account closing fee.

It's not the money, it's the principle of the thing. I'll wait to hear if the $5
is waived before changing anything. How about asking management if they'll
change the Christmas Club to back the way it used to be! :-)

-Glenn-

�    Now directos of the DCU bank, listen up:  What does DCU do?  They sent
�    him quarterly statements.  They send him a letter saying they will no
�    longer pay him interest as he only has $700 in his account.
    
    What people seem to be missing here and with the new Holiday Club is
    that DCU is trying to meet the needs of a variety of savers.  You make
    it sound like your son can't get an interest bearing account at DCU. 
    Those complaining about the Holiday Club make it sound like DCU offers
    no other alternatives.  Quite the opposite is true.  Your son can have
    a regular share account with a $5 minimum.  Is your son's account with
    that NH bank a Money Market account?  People who want the flexibility
    to withdraw their money at any time can open another type of club. 
    People who want to limit their access to their money for a year can get
    a Holiday Club.
    
    Having said that, yes DCU has done a poor job getting this message
    across.  Yes they have been inflexible in allowing accounts to be
    changed over.  Yes they have not provided an additional financial
    benefit for locking money up for a year.  Shouldn't we be concentrating
    on these issues rather than complaining that things aren't the way they
    used to be?

�Presumably, the account was perfectly acceptable or people wouldn't have opened
�them. Now your gonna tell me people enjoy opening accounts which they don't like
�how they operate.
    
    No, I'm going to tell you that in my case the trade off between the
    convenience of opening a Christmas Club account in the same institution
    where I conduct the rest of my business outweighed a few percentage
    points of interest by opening this account with another institution
    which offered a more traditional offering.
    
    I also will tell you that I wasn't aware that I had access to my
    Christmas Club anytime I wanted until people started complaing about
    this change last year.

>It's not the money, it's the principle of the thing. I'll wait to hear if the $5
>is waived before changing anything. How about asking management if they'll
>change the Christmas Club to back the way it used to be! :-)
    
    And some people like the change.  Waiving the $5 is a good attempt at
    trying to keep everybody happy.

>Those complaining about the Holiday Club make it sound like DCU offers
>    no other alternatives.

Wrong again. Everyone knows there is an alternative. What stinks is changing the
rules of how an existing account worked for no apparent reason. DEFCU should
have kept the Christmas Club the way it was and created a new, different account
that does what they want. Get it? We all know there are alternatives. We just
have to spend $5 to get back the account we had all along.

>Shouldn't we be concentrating
>    on these issues rather than complaining that things aren't the way they
>    used to be?

Nope. Wrong issues. We should be trying to get the account back the way it was.
Unless DEFCU management can show that a whole lot of members called up and said
"this Christmas Account doesn't force me to save my money for a year - I want it
changed". If a lot of the membership if fact has done this then I'd have no
problem with the account being what it is now. But I speculate that this didn't
happen. The change is purely for the benefit of the DEFCU and not the membership.

-Glenn-

>And some people like the change.

Then how come the RSVP account is gone? It worked like the new so-called
Christmas Club account (limiting access to your money). If so many people like
the way it works why did the RSVP fail?

-Glenn-

�Then how come the RSVP account is gone? 
    
    It's not gone, but it has gone through at least 2 changes.  I don't
    know if it was a direct cause/effect relationship, but it did seem like
    when the limited access was removed, the rates went down.  Hopefully
    with the high minimum balance we can see a little better interest rate.
    
    And hopefully with the restrictions on the Holiday Club we can see the
    other benefit of the "traditional" Christmas Club -- a higher interest
    rate.

>    And hopefully with the restrictions on the Holiday Club we can see the
>    other benefit of the "traditional" Christmas Club -- a higher interest
>    rate.

I'm not holding my breath. Plus, given the amount of money that I imagine most
people have deposited to a CC account, what's an extra percentage point at the
end of October? An extra $5? Big deal. Give me back the access to my CC money
throughout the year as any real, true CC account should work.

-Glenn-

    It was probably a mistake to put my note in with this one, re.39,
    it was his RSVP account that he was sent notice that it would not
    longer draw interest.  DCU encouraged us to switch from a reg savings
    to an RSVP.  then they changed the rules AGAIN and made the account
    draw NO interest.
    I put it here since its the same garbage that's going on with all
    accounts.

>Nope. Wrong issues. We should be trying to get the account back the way it was.
    
    So that's what all of this boils down to.  Don't change anything.  It
    doesn't matter if an idea is good or bad.  If it means change you are
    against it, especially if that change effects you.  If it effects
    someone else, it might be OK.

>    So that's what all of this boils down to.  Don't change anything.  It
>    doesn't matter if an idea is good or bad.  If it means change you are
>    against it, especially if that change effects you.  If it effects
>    someone else, it might be OK.

Boy, you really like to put words into people's mouths. I never said "don't
change anything". I never said it "doesn't matter if an idea is good or bad". I
never said "if [something] means change [then I'm] against it". Are you reading
the same conference that I'm replying to? How could you possibly paraphrase me
like that from what I've written.

One more time, for those in the back row: the change to the CC club was a bad
idea and should be changed (oh oh, there's that word again, maybe change is ok)
back. For the reason that the change was done without the consent of the people
who held the accounts and who presumably had those accounts because they had
certain features that they wanted.

-Glenn-

RE: Note 745.47 by 38346::MACNEAL

>If it effects someone else, it might be OK.

Good point!!!

Makes me wonder why so many 'relationship' members who are not affected
are leaving, also.

We all appreciate your speaking up for the 80,000, whoops, I mean
70,000, after the latest cleansing, of members...

	- mark

�Makes me wonder why so many 'relationship' members who are not affected
�are leaving, also.
    
    You should also wonder why so many have chosen to stay.  It helps to
    look at the whole picture.

    
    >You should also wonder why so many have chosen to stay.  It helps to
    >look at the whole picture.

Thanks, I needed a laugh.

�            -< I open this notesfile for the glowing testimonials! >-
    
    So, because satisfied customers do not put entries in here you assume
    that there are none.  Not everyone can put up with the abuse I take in
    here.

    
    Excuse me while I stop laughing...
    
    Now back to the original topic or something in the ballpark at least.
    I have been contacted by DCU management and they are gathering data to
    assess whether they will have an "amnesty period" for Holiday Club
    members who were not aware of the changes to the accounts and wish to
    withdraw their money.  Monday at noon was given as an approximate
    decision time.  Stay tuned...
    

>    You should also wonder why so many have chosen to stay.  It helps to
>    look at the whole picture.
    
    I stay (at least for now) because I'm too damn lazy to move! Doesn't
    mean I implicitly agree with everything the DEFCU does.
    
    -Glenn-

     RE:.50

     >You should also wonder why so many have chosen to stay.

	Apathy does this word ring a bell.   Most everyone IMO think the 
     next guy will fix the problem.

    
     RE:.53

     >I have been contacted by DCU management and they are gathering data to
     >assess whether they will have an "amnesty period" for Holiday Club
     >members who were not aware of the changes to the accounts and wish to
     >withdraw their money.
    
    	This doesn't surprise me as management knows most of the 
     people affected have already paid the $5 ransom and closed their 
     accounts.  I doubt that even if this is approved it'll affect many 
     people.  It's sad but after many years of doing all my banking at
     DCU I've now joined another CU and as soon as the direct deposit 
     change order takes affect I'll be doing most of my banking there.

     Joe

    
    RE: .55
    
    Everybody that paid the $5 account closing fee would get it back.  Or
    at least that is my intention.  We'll see what comes forth on Monday.
    

    .50:
    
�    You should also wonder why so many have chosen to stay.  It helps to
�    look at the whole picture.
    
    I recently decided to change my credit card, from a commercial bank to
    DCU.
    
    Oho! you say.  Satisfied customer! you say.  Better service, terms, or
    something, you say.  Yes, but...
    
    I had been meaning to do this for close to TWO YEARS -- mostly when
    I was without a form, and it was after hours so I couldn't expect to
    find someone in the office to help, and... it took a while to get off
    the dime.
    
    If I leave the credit union, there will probably be a similar lag, if
    only to get the particulars on local banks.  So unless DCU goes out of
    their way to really micturate on my Wheaties, there won't be any
    immediately obvious reason that people would point to.
    
    Dick

    
    Re: .52
    
    > Not everyone can put up with the abuse I take in here.
    
    Oh, puuuuuhlease.  Now I get your position.  You're a martyr and needed
    a cause.
    
    Steve
      

�Doesn't
�    mean I implicitly agree with everything the DEFCU does.
    
    And if you weren't so busy reacting to instead of reading my notes
    you'd see that neither do I.

>�Doesn't
>�    mean I implicitly agree with everything the DEFCU does.
>    
>    And if you weren't so busy reacting to instead of reading my notes
>    you'd see that neither do I.

There you go again, putting words in my mouth. I never said that you agree with
everything the DEFCU does. Please show me where I have. Or is your logic that
since I state that *I* don't implicitly agree with everything the DEFCU does
that implies that you do. I think not. Try again.

So are you saying that people shouldn't react to your replies? If so, why post
them? I never viewed confereces as a bulletin board but as a place for people to
react to what other post. You certainly do.

-Glenn-

    
    Well, just got word that DCU is still running reports to get data
    before making a decision.  I've been told "later this afternoon".
    Please continue to stay tuned.
    

    
    Re: .61
    
    > Well, just got word that DCU is still running reports to get data
    > before making a decision.
    
    Phil, thanks for the effort here, but if they have to run reports
    to get "data" before deciding then they confirm once again that they
    just don't get it.   I can't imagine what "data" there possibly could
    be that would have to do with something as simple as deciding to
    implement the amnesty in the interest of customer relations.  Just
    knowing that some customers are plenty POd about this is all the data
    they need.
    
    Steve
    
    

RE: Note 745.50 by 38346::MACNEAL

>�Makes me wonder why so many 'relationship' members who are not affected
>�are leaving, also.
    
>    You should also wonder why so many have chosen to stay.  It helps to
>    look at the whole picture.

I agree.  I looked at both and it *SCARED ME* to realize how DCU was
chasing people away.

Loosing ***10%*** of its members in ONE month is scarey...  Seems like
we have people trying to follow Digitals philosophy of business and look
at some of the problems Digital is in...

It must change to:

	WE MUST VALUE CUSTOMERS...

	- mark

RE: Note 745.56 by ASE003::GRANSEWICZ
    
>    Everybody that paid the $5 account closing fee would get it back.  Or
>    at least that is my intention.  We'll see what comes forth on Monday.

That is great!  That is how to keep customers happy (Of course this
should have not happened to begin with, but... sigh.)

	- mark

    
    See note 751.0 for an announcement concerning the Holiday Club.