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 "no martial ethics."

Carter, who was oppressing others as a boss for the first time, had no time to experience this feeling of relief. He followed Goodman and walked out of the office and went downstairs.

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

A counter is like a small private room. There is a fence next to the customer's seat to ensure the privacy of the customer. The tellers behind the counter are, without exception, all blond ladies in their prime. They are all dressed in the same uniform.

The tight-fitting hip-hugging skirts, stockings, small high heels, and slightly tight shirts on the upper body perfectly showed off their graceful figures.

She has a graceful figure and a beautiful face! It has to be said that when looking at his tellers, Carter has to admire his cheap dad. The total number of people in Douglas City is less than 50,000, and half of them are black.

Among the remaining 20,000 white men who were just in their early years, there was actually such a group of beautiful employees who were selected as if they were in a beauty pageant. But this seems to be the norm in banks these days.

Today's banks are not as down-to-earth as they will be in the future, and every bank is trying to drag them down. Almost all of them sit at home and wait for people seeking loans to come to their door, and then evaluate the borrowers with a scrutinizing gaze...

Luxurious atmosphere, elegant and solemn decoration, beautiful female staff or male staff in suits and leather shoes are all ways to support the class of your own bank.

It's not like those hard-working people in the credit card departments of major banks in the future. In the high temperature of 30 to 40 degrees in the summer, they have to wear shirts and suits and wear work badges to solicit customers...

However, now is not a good time to look at girls. Like a lion patrolling his territory, after glancing at everyone, Carter walked to the door and opened the closed bank door.

"Goodman! We want to withdraw money! Your bank won't even be able to get my $3,400, right?"

"Why are you closing the door? I just want to take my money!"

"Zinima, refund the money!"

As soon as he opened the door, Carter's ears seemed to be surrounded by countless ducks. He looked at the little man in front of him with some surprise and shouted "refund the money". Carter stretched out his hand and pressed down slightly...

As a result, it’s useless!

People gathered in front of Black's Bank were still chirping and demanding money. Strangely enough, in these days, Bank of America's accounts were roughly divided into three categories: savings accounts, checking accounts, and time deposit accounts.

Savings accounts and time deposit accounts are relatively easy to understand, similar to current deposits and time deposits in China. For both accounts, banks will pay interest to depositors. Savings accounts are relatively lower, and time deposit accounts are higher. The only difference is that savings accounts

Before withdrawing money, you need to inform the bank in advance. Depending on the amount, payment ranges from 30 days to 30 days in advance.

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

The third type of checking account is almost never used by Chinese people. The checks that often appear in foreign movies actually use the money in this account!

For checking accounts, banks will not pay interest to depositors. But correspondingly, checking accounts are the most commonly used accounts by most Americans. After opening an account, deposit money, and then the bank will issue you a check book. Daily

For consumption, you can directly tear up the check and sign it. The merchant who receives the check will take the check to the bank for redemption. 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 let people 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 $10,000 in your checking account, if you sign a check for $20,000, the bank will not cash it for you.

So here’s the problem. My bank has been paying out the most heavily used checking account as usual. Logically speaking, there is no credit crisis like this.

Carter admitted that for such small rural banks or small businesses, the death of the founder will indeed reduce a lot of trust from the public, but as long as the bank's operations are not interrupted, this distrust will not explode so quickly.

, but will slowly re-establish trust in the successor.

After all, the bank is not broken, their funds are safe and their life is convenient, so there is no reason to distrust them. Maybe there is a conspiracy behind this?

"Everyone, please be quiet and listen to what little Blake has to say!"

Finally, the meaningless noise stopped. All eyes were focused on Carter, and Carter, who came back to his senses, looked at everyone with a smile.

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

Carter's confident words were like a fire, thrown into the pyre of the crowd, and the noise that had stopped for a few seconds started again.

"Little Blake, are you saying that you can withdraw the full amount from both your savings account and your checking account?"

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

Carter's tone is still calm, and the smile on his face has not changed at all. To be honest, speaking in front of hundreds of people in front of him will not put any pressure on Carter at all. What's more, speaking out the solution himself is the way to go.

It is a matter of course and the solution that best solves the problem.

Aren't you worried that Black Bank has no money? Yes, you can withdraw it as you like. We will let you take it! Once everyone has withdrawn the money, this sense of distrust will naturally be broken.

"Then I want to take away my three thousand dollars now!"

"No problem! Please come in! There are others, and you can also take away the money that belongs to you. You just need to line up quietly. I guarantee that everyone can get their own money!"

As Carter spoke, he leaned aside and made way for the gate. After watching the crowd gradually quiet down and begin to line up in an orderly manner, Carter continued:

"Actually, you don't have to worry about the creditworthiness of Black Bank. We, Black Bank, purchased deposit insurance from the Federal Deposit Insurance Corporation for each of you as early as 1973. Even if one day, our Black Bank really goes bankrupt, the money that belongs to you will

No less!”

"FDI's deposit insurance provides coverage of up to 40,000 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 40,000 U.S. dollars, right? In other words, almost all of them will be insured.

People who keep their U.S. dollars in Black Bank can have a good sleep at night!"

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