questionsdoes your bank send you spam via snail-mail?

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I use a fairly local bank, so I don't get a lot of anything from them other than bank statements.

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i get a ton of junk from my credit cards which are also banks. like B of A, Citi, and now Capital One. it's excessive IMO because it's more stuff to shred. i get some mail from my bank where i have my checking and savings accounts too, but less than half of what the credit cards send

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My bank, not so much. Citicard, BofA, Capital One, etc... Tons...

Oh, and don't get me started on Geico.

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Yes, same bank, plenty o' spam.

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@w00tgurl: Back when I lived on an island, and we'd lose power periodically due to storms I'd save up my shredded junk mail to use as starters for the wood burning stove. I'd just remove the plastic bits, feed it through the shredder, and store it in a steel trashcan designed to hold ashes from your fireplace.

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@xavoc: that's a good way to reuse spammy stuff. i open mine and shred the stuff with my name, address, account # and recycle the generic stuff like pamphlets, envelopes
i don't have a use for my shred and i've read shred isn't recyclable. i've always thought my shred could make a nice pillow or 200

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Shredded paper can be used as brown matter in composting. It is true (as @w00tgurl says) that it can't be used for recycled paper. The shredding tears the fibers in such a way that they don't properly bond when turning them into paper or boxes.

I believe there is a phone number you can call that theoretically opts you out of all those offers. I just gently explained to the bank that I would take my money elsewhere if they didn't quit, and then I moved a chunk of it to make a point. I get almost no offers, now.

I recently got an offer for a credit card from my grocery store, and immediately called the 800 number on the offer to tell them not to send another, and to remove me from their marketing list. Interesting to note that this happened because they (the grocery store) switched from a Chase vanity card to a US Bank vanity card.

I wish that junk mail had to pay the same postal rates as we do, but I don't make the rules.

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If you don't mind me asking, why do you say that you don't have a choice? You already know that there are lots of banks and credit unions where you can get the same service without having a physical branch nearby. If you frequently have to deposit cash into your account, then I can see a problem. But there are likely co-op type ATMs somewhere near you that will let you make deposits (not cash) and withdraw money with no fees from other banks or credit unions. If you have direct deposit your employer should be able to send your money to any checking account in the nation. So unless your mortgage is also with them, in which case you have my pity, I'm apparently missing something crucial here.

As for the spam, save it up, and next time you go to the branch, give it to the manager. Also, if any of it comes with prepaid return envelopes, take everything else it came with, stuff it inside that envelope and mail it right back to them.

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No, but I do get spam from folks that I have loans through. And since I have a VA home loan I get calls/mail ALL the time.

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@mtm2: i have a VA home loan and get the same. a LOT of misleading "important information about your VA home loan" mail spam. some with deceptive crests and official sounding names as if they're from the VA

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What is annoying to me is that they have the audacity to charge me for snail mail account summaries, while they send me at least weekly spam advertising for other services that they offer. This is both from Bank of America and my local (walking distance)credit union. Unfortunately, my former wonderful employer owned credit union was forcibly sold to another organization which has added all kinds of fees and lowered interest rates to the point that B. of A. has better rates.

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No, but if they did, I'd eat it.

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@elforman: It's because of the business that I am in and my company. I didn't have much of a choice, but if I transfer elsewhere I have a little more freedom in my banking choices.