Hari Transfer Bank: Perbedaan antara revisi

}}</ref> yang mengajak perpindahan sukarela dari [[bank komersial]] ke [[serikat kredit]] nirlaba pada 5 November 2011.<ref>{{cite web | url=http://abcnews.go.com/blogs/business/2011/10/bank-transfer-day-gains-momentum-on-facebook/ | title=‘Bank Transfer Day’ Gains Momentum on Facebook | publisher= ''Consumer Report'' (blog of [[ABC News]]) | date=October 18, 2011 | accessdate=October 20, 2011 | author=Little, Lyneka}}</ref><ref>{{cite web | author = Staff | url=http://www.myfoxboston.com/dpps/news/bank-transfer-day-movement-goes-viral-dpgoha-20111013-fc_15452620 | title='Bank Transfer Day' Movement Goes Viral | publisher= [[WFXT]] | date=October 13, 2011 | accessdate=October 20, 2011}}</ref><ref>{{cite news |url=http://articles.latimes.com/2011/nov/04/business/la-fi-bank-transfer-20111105 |title=One Facebook post becomes national movement to abandon big banks |publisher= ''[[Los Angeles Times]]'' |date=November 4, 2011 |accessdate=November 6, 2011 |author=Pfeifer, Stuart and Reckard, Scott}}</ref> Pada tanggal 15 Oktober 2011, sebuah halaman [[Facebook]] yang mengampanyekan hal ini telah menarik lebih dari 54.900 pengguna.<ref name=nytimes1>{{registration required|date=October 2011}} {{cite news|title=Online Banking Keeps Customers on Hook for Fees|url=http://www.nytimes.com/2011/10/16/business/online-banking-keeps-customers-on-hook-for-fees.html|accessdate= October 17, 2011||work = [[The New York Times]] |author=Schwartz, Nelson D.|date=October 15, 2011}}</ref> Tarif [[kartu debit]] sebesar $5 per bulan dari [[Bank of America]] termasuk di antara penyebab munculnya protes Hari Transfer Bank dengan batas waktu 5 November.<ref>

Kristen Christian, seorang pemilik galeri seni di [[Los Angeles]], [[California]], mengatakan dirinya tidak puas dengan "tarif konyol dan layanan nasabah yang buruk" dari Bank of America."<ref>{{cite web | author = Miller, Jen A. | date = October 15, 2011 | title = Fed Up L.A. Gallery Owner Launches 'Bank Transfer Day' | url = http://www.interest.com/savings/advice/fed-up-l-a-gallery-owner-launches-bank-transfer-day/ | publisher = ''Savings Blog'' (blog of [[interest.com]]) | accessdate = October 20, 2011}}</ref> Ia membuat halaman acara di Facebook berjudul "Bank Tranfer Day" dan mengundang teman-temannya untuk menutup rekening di bank-bank yang mengambil untung besar dan memindahkan uang mereka ke serikat kredit pada 5 November 2011. Christian memilih 5 November karena berhubungan dengan [[Guy Fawkes]], tokoh bersejarah yang mencoba [[Gunpowder Plot|meledakkan Majelis Tinggi Britania]] dan membawa agama Katolik kembali ke Britania Raya, namun tertangkap pada tanggal 5 November 1605.<ref>{{cite news |author = White, Martha C. |date = October 10, 2011 |title = Wall Street Protests Get Specific: Could 'Bank Transfer Day' Pit Americans Against Their Big Banks? |publisher = ''Moneyland'' (blog of ''[[Time (magazine)|Time]]'') |url = http://moneyland.time.com/2011/10/10/bank-transfer-day-urges-americans-to-leave-big-banks/ |accessdate = October 19, 2011}}</ref> <ref>{{cite web | url=http://www.cutimes.com/2011/10/19/bank-transfer-day-a-good-time-to-be-a-cu | title=Bank Transfer Day: A Good Time to Be a CU | work = [[Credit Union Times]] | date=October 19, 2011 | accessdate=October 20, 2011 | author=Digiovanni, Myriam}}</ref><ref>[http://www.cutimes.com/2011/10/10/bank-transfer-day-causes-cu-buzz "'Bank Transfer Day' Causes CU Buzz."]{{ndash}} from [http://www.cutimes.com Credit Union Times]</ref>

[[Credit Union National Association]] (CUNA) mengatakan bahwa situs web asosiasi yang menginformasikan konsumen mengenai layanan serikat kredit mengalami ini peningkatan lalu lintas. Anggota CUNA melaporkan adanya peningkatan jumlah pembukaan rekening. Menurut Bill Cheney, presiden dan pejabat eksekutif tertinggi CUNA, pembukaan rekening besar-besaran yang baru terjadi lebih stabil daripada pembukaan besar-besaran lainnya di masa lalu.<ref>{{cite news |author = Palmer, Alex |date = October 15, 2011

|title = Credit Unions Boom&nbsp;&ndash; A Bank-Fee Revolt |work = [[New York Post]] |accessdate = October 19, 2011 |url = http://www.nypost.com/p/news/business/credit_unions_boom_JSBoBmRnVSPhtGNxutCyRM}}</ref>

Antara 29 September, hari ketika Bank of America mengumumkan tarif bulanan untuk transaksi kartu debit, dan 2 November, serikat kredit menerima dana senilai $4,5 miliar dan 440.000<ref>The original estimate from CUNA was 650,000, but was later revised to 440,000.</ref><ref name=cujournal>{{cite journal|last=Passman|first=Aaron|title=How Kristen Christian Came To Launch Bank Transfer Day|journal=Credit Union Journal|date=December 19, 2011|page=23}}</ref> nasabah baru, yang setara dengan penambahan rekening baru sebesar 50%.<ref>{{cite news|url = http://bostonherald.com/business/general/view.bg?articleid=1379155 |date = November 7, 2011|publisher=[[Boston Herald]]|title=Mass. credit unions count 20,000 bank transfers}}</ref><ref>(November 7, 2011). [http://www.foxbusiness.com/personal-finance/2011/11/07/credit-unions-feel-boost-from-bank-transfer-day/ "Credit Unions Feel Boost from Bank Transfer Day."] [http://www.foxbusiness.com Fox Business News]. Accessed November 2011.</ref> CUNA mengklaim bahwa pada 5 November 2011, sekitar 40.000 orang bergabung dengan serikat kredit dengan total dana rekening sebesar $80 juta.<ref> Berman, Jillian (November 9, 2011).[http://www.huffingtonpost.com/2011/11/09/bank-transfer-day-40000-join-credit-unions_n_1083744.html "Bank Transfer Day Pushes 40,000 To Join Credit Unions, Survey Finds."] [http://www.huffingtonpost.com Huffington Post]. Accessed November 2011.</ref><ref>(November 9, 2011.) [http://www.cuna.org/newsnow/11/wash110811-2.html "CUNA survey: 40k members, $80M in savings on BTD."] [http://www.cuna.org Credit Union National Association]. Accessed November 2011.</ref>

Bank-bank kecil dan serikat kredit dengan aset bernilai kurang dari $10 miliar mampu menawarkan hadiah ekstra dan menghindari tarif tambahan, karena mereka dibebaskan dari batasan yang ditetapkan Amandemen Durbin.<ref>{{cite news|url=http://citizensvoice.com/news/small-banks-credit-unions-capitalize-on-big-bank-fumbling-1.1226472#axzz1dRoXbARN|title=Small banks, credit unions capitalize on big bank fumbling|newspaper=[[Citizen's Voice]] |author=David Falchek|date=2 November 2011}}</ref>

Pada tanggal 12 Oktober 2011, Anggota Dewan A.S. [[Jason Chaffetz]] (R-UT) dan [[Bill Owens (anggota kongres)|Bill Owens]] (D-NY) memperkenalkan RUU yang memperbaiki Amandemen Durbin. Menurut Chaffetz, membatalkan Amandemen Durbin akan memperbaiki konsekuensi yang membahayakan akibat RUU ini.<ref>{{cite news |author = Touryalai, Halah |date = October 13, 2011 |title = New Bill Aims To Kill Durbin's Debit Card Fees |url = http://www.forbes.com/sites/halahtouryalai/2011/10/13/new-bill-could-kill-durbins-debit-card-fees/ |publisher = ''Adviser Network'' (blog of ''[[Forbes]]'') |accessdate = October 19, 2011}}</ref> Sayangnya, Anggota Dewan A.S. [[Spencer Bachus]] (R-AL), ketua [[House Banking Committee]], menyatakan bahwa penilaian kembali terhadap Amandemen Durbin adalah prioritas rendah. Belum jelas apakah RUU ini akan dilibatkan dalam sesi pemungutan suara.<ref>{{cite news |url = http://boss.blogs.nytimes.com/2011/10/17/in-battle-with-merchants-banks-still-hope-to-overturn-durbin-amendment/ |title = In Battling Merchants, Banks Still Hope To Overturn Durbin Rules |accessdate = October 19, 2011 |author = Mandelbaum, Robb |date = October 17, 2011 |publisher = ''You're the Boss'' (blog of ''[[The New York Times]]'')}}</ref>