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<p>[QUOTE=&quot;Searcher64, post: 2574647, member: 21828&quot;]We are customers of the banks that&#039;s true. Now, if we paid all cash to the people we owe, then we would not needs banks, except as we do now, cash checks. They have a catch there to, you have to have an account to cash, or pay a fee. Now, if we did not use checks or plastic cards, then where would the banks be? They do not pay any interest on savings or checking today, that amounts to much. They borrow from small banks, overnight to cover transfers on checks, and pay high interest rates to these small banks for cover.&nbsp; I stopped buying CD&#039;s because of the very low interest they pay. I put my CD money now in municipal securities that pay smaller interest, but are tax free.[/QUOTE]</p><p><br /></p>

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