I said in my last post that I would write about divesting from Bank of America. I am here to deliver.
I had never really thought about where my money goes when I put it in the bank. Money is just in the bank, right? I guess I pictured a Scrooge McDuck-ian style vault, or something like you see in a heist movie. I’ve learned that’s not the case at all.
I gradually became aware of the Dakota Access Pipeline issue via Facebook, which seems to be the popular method for obtaining information these days. At first my opinion was “That’s terrible, but it’s not like I can go protest in North Dakota in the middle of winter.” I started paying more attention to the issue and following the Injustice Boycott. I learned that there are actions that I can take other than going to North Dakota. I can divest from banks that fund the pipeline. I was also surprised to learn that Bank of America is invested in private prisons. This is not what my money is for.
A week or so before I went to the No DAPL protest, I polled my Facebook network to ask if anyone had a credit union in Sacramento they liked and wanted to recommend. I got a lot of responses. Asking Facebook is, of course, not a replacement for actual research, but if you have well-informed friends I think it’s a good place to start. I got a number of responses including Golden 1 (which I was familiar with), SAFE, and Patel Co, among others. I also learned about the credit union co-op, which links credit unions together. This allows credit union members to use other credit unions’ ATMs. I would not have thought to look that up on my own.
I looked at the sites for a few of the credit unions my friends suggested and decided on Golden 1. For my banking, they seemed to have the best rates. There are also two branches near my apartment, so I knew it would be a convenient choice.
Before heading out, I paid my credit card off and moved all but $25 to my checking. I wrote down how much I had left in my account and put a check in my purse so I could give myself the money. I think there are other ways to do balance transfers, but that seemed the most straightforward to me.
Opening New Accounts
Fresh from the excitement of the protest, I went to Golden 1 on Saturday morning. My boyfriend came along, too. Although he wasn’t ready to switch banks, he wanted to learn more about the accounts they offer. We were also keen to find out more about getting a mortgage. We’re not ready to buy a house, but we are trying to figure out what we could reasonably afford in the near future.
I hadn’t been into a bank to do anything other than deposit or withdraw money in a long time. I went in, wrote my name down on their list for people who want to speak with someone, and waited for maybe 30 minutes. I suppose Saturday mornings are a busy time for the bank.
When my name came up, the bank employee invited us into his office. I told him I wanted to open checking and savings accounts and apply for a credit card (all replacements for accounts I had through Bank of America), and that we were interested in learning more about mortgages. Getting the accounts set up was fairly straighforward, but we were informed that we’d have to talk to a mortgage specialist over the phone and they’re all quite busy on Saturday. I asked that they call me back during the week (they never did call me back. We’re planning to go talk to someone at the bank soon).
To set up the accounts, I only needed to bring a photo ID and, of course, money. They have it set up so you can open a savings account with just one dollar. I had a lot of dollars. I wrote a check to myself (I wrote “Divestment #NoDAPL” in the check memo, just to feel good) and left about $50 in my old account, to cover any direct payments I might have forgotten about. The bank employee had me fill out a few forms and got my checking and savings accounts opened on the spot. I got a debit card that day, but was informed I might not be able to start using it for a few hours. One thing to be careful of if you are changing accounts and moving a large amount of money is that they will probably put a hold on the funds. I got a few thousand dollars within two or three days and the rest of my money dropped in after a week or so. Fortunately, this wasn’t an issue for me, but I recommend that anyone divesting plan accordingly.
I also wanted to open a line of credit to replace my Alaska Airlines Visa, which was managed by Bank of America. I found out that the airline miles I accrued as rewards stay with my mileage plan account, not with my credit card. Even though I was closing the card, I still kept the rewards. It seems like a petty concern, but I have a lot of miles saved up for a trip, so I was quite relieved. The bank employee had me fill out a few forms. I wasn’t able to find out right away how much I would get because a real person had to assess it. However, they figured it out quickly enough. I got a call two hours later to tell me how much credit I’d been approved for.
In total, I spent about an hour in the bank and probably another hour researching and preparing to switch accounts.
Closing Old Accounts
The main thing I wanted to ensure was the continuity of my paychecks. My paycheck is direct deposited into my bank account every other week. The people at Golden 1 said it could take two pay cycles to get my direct deposit set up and provided me with a form to do it. I came home and looked on my company’s employee site. I was able to update my direct deposit account online. I thought it might take two checks to start, but I got paid to my new credit union account the next Friday with no trouble at all.
After my paycheck came through, I went to Bank of America to finish closing my accounts. I run most of my bills through credit cards (and most of them through an account other than the one I was closing). If I depended on my Bank of America accounts, I would have waited a little longer before closing it all up. I only had about $8 left in my checking account.
I spoke to the employee there and told him I wanted to close my accounts. I said that Bank of America is invested in companies that fund private prisons and oil pipelines. He responded, “I can’t argue with that.”
I handed him my debit card, credit card, and ID. He seemed surprised that I wanted to close my credit card too. When I quit, I quit all the way. He had to make a phone call to close the credit account, but he was able to close up my checking and savings accounts through his computer. When he was finished, he took me up to a bank teller, who gave me my $8 and a receipt. This took about 15 minutes total.
It took two weeks to get my new credit card. After it arrived, I made a list of all the bills I pay and set about switching everything to my new accounts. It helped me to write it down, but I still found things I forgot as I worked through it. The good thing is that most places you send money to want to keep getting your money, so they will give you a warning when your card stops working. Now nearly all my bills are getting paid through my new Golden 1 credit card.
I still have an Amazon Visa card through Chase bank. Chase is worth divesting from, but it’s not as dire as divesting from Bank of America or Well’s Fargo. I have decided that, in the interest of maintaining my credit score, I’m going to stop using that credit card, but not close the account right away. Closing a lot of accounts at once can impact your credit score.
Overall, switching banks was fairly simple. I can understand that if you have a car loan or a mortgage, there is probably more involved than there was for me. That said, I think it is important for individual citizens to do what they can to spend money in a way that supports or defunds causes, as appropriate.
Corporations do respond to the pressure of people voting with their wallet. Just last week Nordstrom, among other retailers, announced it would stop carrying Ivanka Trump’s brand. Specific to divesting from DAPL, the City of Seattle and the City of Davis have both voted to remove their cities’ funds from Well’s Fargo. That’s major. Far from being hopeless, the cause is gaining momentum. Two cities have divested. Individuals are divesting. It might take longer than we like for us to stop this oil pipeline and others like it, but it will happen. I am choosing the radical stance of believing that our actions have an impact.
One More Thing
If you’re following the Injustice Boycott and you decide to divest (I hope you do), you can check out their instructions and fill out a survey saying you participated. This helps track the true impact that the boycott is having.
I had never gone to a protest before, until last Saturday. Things being what they are, I went to my second rally in the same week. Yesterday, I went to a “divestment block party” in downtown Sacramento.
I was hesitant to go protest in the middle of the work day. Ultimately, I decided that doing whatever I want in the middle of the day is my prerogative as someone who works from home. I arrived downtown early. Unnecessarily early, but I was nervous. I brought a backpack full of snacks and warm clothes, but I stupidly forgot my wallet. After debating about whether to go home to get it, I paid for parking using the car’s emergency stash of quarters.
I walked around the block to the courtyard in front of the Well’s Fargo building, where the protest was scheduled to take place. I sat on a bench to wait, cold in the tower’s shade. Because I was so nervous about being early and didn’t see anyone else around, I texted the organizer to ask if people had met somewhere else, he told me they would arrive soon. Before the rest of the protesters showed up, a few cops on bicycles rolled in. Several Well’s Fargo employees came outside, joking that the protesters must have already come and gone.
People began to trickle in: two young women, another pair of women toting babies, a handful of professionally dressed people wearing neon green caps proclaiming them impartial legal observers, an old lady with a bicycle covered in knitting. I had never met the protest’s organizer before, but I sensed that the man with a bullhorn and a giant drum must be the guy. He said we would start soon, once the sound system arrived.
In the meantime, the police approached to let us know the rules. The protest organizer was not interested in speaking with the police, but a legal observer jumped in. I edged closer to find out what stance the cops were taking on the event. They told us we were not allowed to enter the bank or block the sidewalk. Because we didn’t have a permit, we were technically not allowed to be there but, the officer generously added, as long as we kept the noise level to a “dull roar,” they would let us stay.
The sound system—an amplifier in a wheelchair, with speakers perched on boards atop the armrests—arrived and the rally started in earnest. Another organizer started us in a round of chants. A woman handed out pieces of paper with lyrics.
Street by street, block by block, Sac stands with Standing Rock.
We got a good bit of a ruckus going, people started chanting louder, some were waving banners and signs with messages like “It’s easier to change banks than to clean water” and “Mni wiconi” (Lokotan for “Water is life.”). Once we were warmed up, an elder of the Lakota Sioux came to speak to us. He prayed in the Lakotan language, which was really interesting for me. He spoke to us about what is happening in Standing Rock, describing the actions there as domestic terrorism. As he talked, a women waved a type of incense around the group, in what I believe was a sort of blessing. Then, a woman of the local Miwok tribe spoke. She told us that native people here are also suffering. She said we need to focus on conserving water and that, after they are done attacking our water supply, the food supply would be next. She encouraged us all to use grey water systems and plant gardens. Then, she taught us a warrior song. Singing the song with the group felt powerful. I don’t know if it was the fact that we learned it from someone who has suffered, or because we were singing it together in a group, but it felt important.
Listening to native people speak about the oil pipeline affected me deeply. I admit that I have maintained a only surface level awareness of the DAPL protests in the last few months, but I had not looked too deeply into it. Maybe I knew that if I did, I would be horrified and I would need to act. You know what they say about ignorance. Hearing directly from native people about their connection to the land and how their lives are being destroyed was impactful. We learn so little about native peoples in school. What we do learn has a museum quality to it. This is what they believed, this is how they lived. But they live and they believe now.
After these speeches, they asked if anyone was ready to divest from Well’s Fargo. Two young women came forward and they were asked to kneel before the group. They bowed as if in prayer. We chanted and sang more. They asked if the women intending to divest wanted to say anything. One did. She held up documents from her new bank. She told us she feels she is a good person and she can’t stand by while her bank funds hate. She was on the verge of tears, and caught in something akin to religious zeal, she encouraged us all to leave our banks in search of banks that use their money to help people.
The women rose and the protesters walked them to the front door of the bank. A news camera sidled along the group. I stayed towards the edge, since my boyfriend begged me not to end up on the news during work hours (“It’s a long lunch,” I’d told him. “Still …” he demurred).
What do we want? Divestment!
When do we want it? Now!
The bank did not allow the women to enter. The police stood in front of the door. “They’re customers! Let them in” People shouted. Bank employees flitted about their fishbowl office. The young women held up their Well’s Fargo bank cards in front of the door. “We’re customers! We are your customers!” Soon a new chant swelled, “Let them in! Let them in!” People surged towards the door. The woman with the “It’s easier to change banks than to clean water” sign shouted at employees visible through the glass.
I saw three men wrench the bank door open from my spot at the back of the group. I had decided the best use of my person was to chant loudly, from the diaphragm, demanding justice. These men had decided their bodies were best used in a demonstration of force. I think at least one of them got arrested because I didn’t see any sign of the organizer after that, only another man toting the drum.
The door open, the bank employees yielded, welcoming the women inside. A cheer went up and a new chant began.
A people united will never be divided!
El pueblo unido jamás será vencido!
The crowd pulled back from the door and reestablished itself in the center of the courtyard. The mood was ebullient. The woman with the microphone asked if anyone had something they would like to say. One native woman asked the elder who had spoken earlier to sing the Native American national anthem. Then the son of another elder took the microphone. He was angry, angry that his dad was in the hospital, angry that the government continued to deny natives their rights. I don’t blame him. If I were protesting an oil pipeline and the government did what they’re doing in Standing Rock, I’d be pretty fucking mad too.
The women emerged from Well’s Fargo after what seemed like an hour. One held her bank reciept aloft. The crowd cheered again. Then, we were directed to march across the street to Bank of America whose funds also go to the DAPL.
You can’t drink oil. Keep it in the soil!
Bank of America is my bank. I’ve had been considering switching banks, but hadn’t yet done more than research. When we reached the bank, they asked, “Who is ready to divest?” I raised my hand and so did one other woman. “Let’s get you inside!” she declared. It was then I remembered my forgotten wallet. “Actually, I don’t have my wallet today. I feel really dumb,” I admitted before the crowd. We sent the other woman in alone and I held her bullhorn for her in a silent apology for my uselessness. Unlike Well’s Fargo, Bank of America gave its customer no trouble, perhaps because we hadn’t been causing trouble at their door for the last two hours. She was in and out in five minutes, announcing “They take your money fast, but they give it back just as quick.”
The march continued. We moved to the sidewalk across from Well’s Fargo. When we approached, we saw that someone had unfurled a banner heralding the cause: “DIVEST No DAPL.” Then the marchers grew truly excited. “We have support on the inside!” they hollered.
I decided that was a good time for me to leave.
This was an interesting experience. I knew it wasn’t going to be anything like the Women’s March, which was huge and had no trouble with the police. I didn’t know what to expect but it was great to feel like I was accomplishing something. I would think that 50 or 75 or however many people showed up does not look like much to a bank like Well’s Fargo, but the people inside sure looked worried. Only three people closed bank accounts that day, but I wonder if anyone else was influenced to take their business elsewhere. Just participating in this processed pushed me from “This is something I’m seriously considering” to “This is something I need to do right now.”
In fact, I’ve already started divesting myself from Bank of America. I’ve been talking to other people about ditching their bank. My sister said she would look at moving her direct deposit to her credit union account. My boyfriend is thinking it over too. These are small changes. I’m one person with less than $10,000 in my accounts. I would like to believe that these small actions are adding up. I went to the protest thanks to a small action. I saw that a friend was interested in going on Facebook and I decided that I should go. That’s why I have decided to write about the experience. I will also write about my experience of getting a new bank account after that is finished.
It seems like so much is happening so quickly right now, but all these current events are the culmination of years of work by right-wing jerks to dismantle what I consider to be civilized society. Let’s all take some small actions and get out of our comfort zones. We’re going to need all the help we can get.
I’m not an angry person. At least, I don’t think of myself that way. Some of my family members flare up with white-hot rage, a pyroclasticflow of madness. I’ve always been the even-tempered one, so it is unsual to find myself experiencing rage. I have raged at the news for days. When Trump was elected, I spent some time being sad. Now that I’ve seen how much havoc a small band of oligarchs can wreak in 5 days, I feel fury.
There are many reasons to be mad. However, I can only be so mad at any particular moment. At least, until we unlock more dimensions. I’m sure my eighth-dimensional outrage will be a thing to behold. In the meantime, a tirade in three dimensions.
I saw today, on Facebook, this headline:
And I thought, “More personally responsible.” I don’t know if anger can stop time, but I am unable to confirm that time did not stop.
I ask myself: how could women be more personally responsible for childbirth? Actually, here’s what I wrote on Facebook. What I wrote without even reading the article:
Men are the ones who need to be “more responsible” for sex, are you fucking kidding me? Men can LEAVE. A woman is stuck with the responsibility for sex whether she chooses to keep it or not. This is a gods damned joke.
Where are the tragic stories of women deserting their partners? The children who never knew their mothers? The men rushing to the drug store to get Plan B because the condom broke. Oh, wait, those things don’t exist. Women are the primary party responsible for the consequences of sex. Women get pregnant. Women gestate for nine months. Women give birth. Women nurse infants. Women are the primary caregivers. It is woman who is personally responsible for the consequences of sex, not man.
Eventually, I read the article. The man making these comments (because obviously only a man would say something so unabashedly ignorant) is, in fact, a state representative in Texas (because obviously Texas). State Representative Tony Tinderholt believes, “that, if passed, the bill would reduce the number of pregnancies, ‘when they know that there’s repercussions .'”
I didn’t know that women were unaware of the reprecussions of sex. Women whose uterine linings shed themselves every month from, for some, as early as the age of 10. Women, one in five of whom are sexually assaulted. Women, who are raped by their own partners. Who could know more intimately of the repercussions of sex.
According to State Representative Tinderholt, it’s currently just too easy to get an abortion. It’s a “backup,” he says. Tony Tinderholt imagines women thinking to themselves, “Oh, I can just go get an abortion.” Sure, just go get an abortion. Walk down to the abortion store and put on my abortion hat and remove this zygote from my body. Truly a simple, painless, and stigma-free process in 2017 America. I do wonder if Tony Tinderholt has ever been with anyone to get an abortion? I bet he thinks he doesn’t know anyone who has had an abortion. I bet he’s wrong about that.
Here are some facts (regular, not “alternative”—or is the alternative to alternative facts “straight edge”? A lot of questions today.):
- Women seeking abortion in Texas have to make at least two visits to a clinic. Super convenient for women with jobs. Or women without jobs. For no women, that is, is it convenient.
- Women seeking abortion in Texas have to have an ultrasound at least 24 hours before getting an abortion. This is called the “Right to know” law and the medical practitioner is mandated to give out information about “medical risks.”
- Women seeking abortion cannot have medication abortion. Even if that might be safer and easier for them.
The worst of all? Texas has the highest maternal mortality rate in the developed world.
Opinions like those of Tony Tinderholt lead to misguided policies to “protect” women from themselves. These policies lead directly to higher mortality rates for women. Women are literally dying because of this smug asshole. Because of a man’s misguided opinion on what is best for women.
Men like Tony need to admit that these policies are not to protect or help women. They are to control women and their movements. They are to prevent women from having control over their own bodies. That is unacceptable. Women need equal rights to men. We need them now.
A lot of douchebags have crawled out of their holes in the past week, largely in response to the Women’s March. Here are some honorable mentions of people who made me mad.
- L.A. Times has put this more succinctly than I can, “An outspoken Nebraska state legislator who was fined for having cybersex using a state computer resigned Wednesday after causing further outrage by sending a tweet that implied participants at the Women’s March were too unattractive to be victims of sexual assault.” Right, because as all women know, only the pretty ones get the dubious honor of being sexually assaulted. Thanks, fella.
- Some people are protesting at Planned Parenthood (what else is new) because they want it defunded (I’m not going to link this one). I’m going to give Planned Parenthood some extra money just for them! And I signed up to be a clinic defender. Fuck these people. The matriarchy is strong.
- Another gem of a human being from Texas says, in regards to the Women’s March, “Just think about this. After just one day in office, Trump managed to achieve something that no one else has been able to do: he got a million fat women out walking.” Dude, walking was the least strenuous thing I did last week. I’m going to keep lifting weights until I’m strong enough to throw you through a window.
- A man who owns a brewery in Sacramento, where I live, said in regards to the Women’s march that “the left just can’t accept loss.” He’s going to have a hard time accepting the loss of business to his brewery.
What I’m trying to say here today is that I’m fucking mad. I’m as mad as I’ve ever been I’m mad that these genuine buttholes feel emboldened by Trump’s election. I’m mad that women still don’t have equal rights, that there’s no equal rights amendment. I’m mad that in 2017 we still have men trying to legislate women’s bodies—not even just trying, succeeding. I’m mad that these assholes have come out of the woodwork.
But you know what I’m happy about? How motivated and strong women are. So many of us have awakened to the fact that it is incumbent upon us all to act. We must act up and we must act out and be loud and be all those stupid things that society tells you you can’t do. Today is the day. Tomorrow is the day too. The next four years are the day because, women, we got this. The matriarchy is strong and its roots are deep.
Book Review: Over the Cliff: How Obama’s Election Drove the American Right Insane
I know I am not the only person to ask themselves “Why are these people completly insane?” while watching the news (or, while watching the bits of Fox News crazy that The Daily Show cherry picks for our amusement). I know this because John Amato and David Neiwert wrote Over the Cliff. Surely, they started with the same “What the hell?” sentiment that so many non-conservatives—and probably quite a few fiscal conservatives have felt since this century began and George W. Bush took office. What happened? How did we get here? More importantly, how can we get out?
Over the Cliff was published in 2010, so while a few things have changed since it came out, the analysis and coverage of the events leading up to Obama’s election and his first year in office are on point. Amato and Neiwert are both internauts of the original liberal blogosphere (do we have a better word for this yet?), with Amato being the creator of the Crooks and Liars blog. They both seem to have a fair bit of news watching street cred and, hey, they lived this period—and more importantly they were paying attention (unlike me, finishing college and having an existential crisis).
The first thing that stood out to me from reading the coverage of the Obama campaign was just how racist it was. I remembered that it had been racist, but seeing the vitriol compiled in text was alarming. I’m used to racism operating in its normal, insidious way, but seeing flat out racism is, for me, really shocking. Of course, much of the blatantly racist quotes are stated in that crazy, nonsensical way that we have come to know and love from Republicans. For a fine example: “Obama wins, I’m gonna move to Alaska. Haven’t you heard that the United States is gonna be taken down from within? What better way to get taken down from within than having the President of the United States be the one that’s going to do it?” Irrefutable logic, truly.
As much as it is fun to giggle at the apparent stupidity of some of these people, Over the Cliff makes the point that when networks like Fox News prominently feature incendiary rhetoric, people who hold these same beliefs feel validated, like their beliefs are correct and right because someone on national television is sharing in the same sentiments. As such, the book takes aim at people like Glenn Beck, in particular, for giving a forum to this militant fringe crazy bullshit.
A lot of these right-wing extremists subscribe to the “lone wolf” ideology, which is a form of “leaderless resistance.” By operating alone, it is difficult to pin down some kind of hierarchy that could be targeted by law enforcement, but it also means that a quite often crimes or terrorist acts committed by extremists often aren’t connected with the ideology because they appear to be a one-off event by a crazy person. In fact, the “oh, that guy is just crazy!” defense seems to be a popular one. The book discussed a few instances where there was a shoot-out or someone reacted with what was an apparently disproportionate response for the situation, at least based on the way the news reported it. Whereas in many such cases, the perpetrator can be connected with extreme right wing ideology, either via activity on the Stormfront forums or similar sites. What’s really convenient about that for the people on TV fanning the flames of these people is that they can just say “He’s a crazy person! Not my fault!” and move on from the subject. Glenn Beck did this pretty often. Unfortunately, unless you’re paying extremely close attention (or you are in on the right-wing extremist secret handshakes) they do seem like unrelated crazy people flying off the handle, making things seem just insane, when they represent a pattern of violence based on an extreme ideology.
Another theme of the book is Fox News’ promotion of the Tea Party. It seems like they never would have gone anywhere if it hadn’t been for Fox promoting their events and really signing on with the message (anyone remember the Tea Party Express?). With the emergence of the Tea Party movement, the “Birther” issue and the “Obama is a socialist/Marxist/Hitler” rhetoric took on a life of their own in the insane signage that many of the participants carried. Again, Amato and Neiwert make it clear that this is really a function of racism. These people did not have a cogent message other than “Oh no, black man!” Thus, they equated Obama with all the worst political things they could think of and continually tried to cast doubt on his legitimacy. Racism all the way.
When the issue of passing some health care legislation came up in is when the Tea Party found its voice. The authors express that after the initial tax day protests and the 9/12 foolishness, the Tea Party was losing momentum and lacked any kind of focus, but unfortunately for the rest of us, the health care debates invigorated them. The Tea Party leadership actually distributed guidelines to people on how to be maximally disruptive during town hall events so that there could be no civil discourse. From a rational point of view, it is really hard to understand why you would want to shut down a discussion where people might be sharing actual information. Even after reading this book, I still don’t totally understand that, but it seems to be fueled by racism and the espousal of just really extreme beliefs. I’m sure there’s a certain element of mental instability as well, but I’ll go ahead and admit that’s mostly speculation.
It ends on a not very hopeful note, cautioning us against being dragged down by right-wing madness, but also giving a call to action to everyone else. I think now, a few years down the line, things are more optimistic in some ways, but the same in some others. First of all, Glenn Beck—the book’s villain—no longer has a show on Fox News. For this, we all rejoice. I think that Obama’s landslide re-election beat back some of the crazier sentiments that emerged during his first term. The people have spoken! We’ve now elected a black man to the presidency twice, any person of color who comes after Obama will not have it as bad as he did. He has made it possible for everyone else. In news that is both hopeful and profoundly depressing, Mother Jones offered this article on the outcome of adopting many Tea Party policies in Florida. The state cut taxes, 4 million people are without health care, $3 billion was taken from education, and agencies that serve disabled people were hugely cut. While there is nothing hopeful about this news for Florida, I hope that everyone else in the country sees this and realizes that this is the “logical” extension of the policies of the Tea Party. Hopefully, over the next few election cycles, Florida digs its way out of this madness and the rest of us can let the Tea Party become a historical footnote.