I’m not being ageist, I’m talking about myself and my experience with banking. I’m 34 and often get paid in cash that I need to deposit, and making the kind of money I do make, driving somewhere to make that deposit or paying a fee legitimately makes a difference to whether I have time to make more money, care for myself, or pay my bills.
Rachel On Mon, Nov 10, 2025 at 2:58 PM Jennifer Saffran <[email protected]> wrote: > I am now officially “elderly” and I do online banking. IMO, ideas about > tech and “old” people that might have been relevant 20 years ago, are no > longer true. I keep hearing these ideas, and frankly, they are agist. Sure, > I can’t keep up with my MIT grad engineer husband, or my Millenial > daughter, but this argument about “needing” a bank is irrelevant. If I > think about it, I’ve only gotten cash out of a machine a few times a year > for the past several years. Nearly all of my transactions are electronic > for everything, even at something as retro as the Codman Farm. > > > On Nov 10, 2025, at 2:38 PM, Esta Rogen <[email protected]> wrote: > > > Hi everyone & if I'm reading this somewhat disjointed thread > hierarchy correctly:I'm seeing the following: > > 1) Lincoln can't get by w/o a bank? > 2) Because of the need for safe deposit boxes? Is that really a 'thing' > anymore? If so, what percentage of Lincoln'ites believe they are a must? > 10%? 20%? more? > 3) Many people don't have cars so there 'has to' be bank representation > within walking distance (?) - Folks can;'t get a ride these days? Perhaps > take that 'wonderful' commuter rail to COncord center to execute banking? > > Has anyone heard of *online* banking? OK, the elderly don't know how to > use it? Find the nearest 10 year old & you're now online banking. > > The following *sky is falling* excerpt is a peach - my goodness, > seriously?: > > "That is why I urge serious town-wide conversation of what is needed and > what is wanted, and what it might take to get it. > We need a clear-eyed approach to the realities of the market place. > If we are not proactive and let the free market dictate, there will, most > likely, be no more commerce. > If the town chooses to allow that to happen, so be it. > But, we should have a conversation-what would it take to keep commerce? > What kind of public investment?" > > Can we get back to conversing about the mess that is the *overflowing > auto mechanic establishments* in this 'rural' town? There are > three eyesores at the moment..... > > Esta > > > > On Mon, Nov 10, 2025 at 2:17 PM Vkram Saleme <[email protected]> wrote: > >> >> >> ---------- Forwarded message --------- >> From: Lis Herbert <[email protected]> >> Date: Sun, Nov 9, 2025 at 9:11 PM >> Subject: Re: [LincolnTalk] Replacing the Bank of America >> To: Rachel Marie Schachter <[email protected]> >> CC: Lincoln Talk <[email protected]> >> >> >> It’s odd (in my admittedly under-informed opinion) to lament the closure >> of a multinational bank while saying it means the end of a village… what if >> this is just an incredibly boring leasing decision, for all the reasons >> Nick Gardner stated, and a small locally owned business moves in? Why, >> apart from the closure of a bank branch (which it seems people are somehow >> attached to as a fixture of village life??) is this reason to say the sky >> is falling? And why would the maneuvers of a bank with (let’s at least be >> honest) zero physical investment in town, trump the needs/opinions (and as >> yet totally nonexistent maneuvering) of the non-profit organization that is >> largely if not entirely — and I mean no offense to past town officials — >> responsible for Lincoln looking and feeling so rural, expansive, and >> wonderful as it does today? >> >> Lis >> >> >> Sent from my iPhone >> >> On Nov 9, 2025, at 7:42 PM, Rachel Marie Schachter < >> [email protected]> wrote: >> >> >> >> Didn't expect to be chiming in here, but for some of us in a lower income >> bracket, the fee for depositing cash at the ATM if you don't bank there >> really does affect our bottom line. >> >> I don't expect anyone to rally for East Cambridge Savings Bank (or have >> any idea what rallying would actually do), but I do happen to be a customer >> and a fan. >> >> Rachel >> >> On Sun, Nov 9, 2025 at 7:35 PM Nick Gardner <[email protected]> wrote: >> >>> I think the broad issue is that even for good banks, there's less and >>> less reason to use in person branches. I can deposit cash into the ATM, >>> deposit checks on my phone, open and close accounts on my phone, and even >>> get loans on my laptop. I've probably had to use a physical bank branch >>> half a dozen times in the last decade, and it's why so many physical >>> branches are closing. >>> >>> I would love to see a good bank or credit union come to Lincoln but it's >>> an uphill battle these days. >>> >>> -Nick >>> >>> On Sun, Nov 9, 2025, 19:31 JMG at Lincolntalk < >>> [email protected]> wrote: >>> >>>> I upvote DCU also. Great rates, plus staff in Lexington, online app, >>>> all good. >>>> Jennie >>>> >>>> On Nov 8, 2025, at 3:26 PM, Jennifer Saffran < >>>> [email protected]> wrote: >>>> >>>> We have been using DCU—Digital Federal Credit Union—for many years. >>>> >>>> On Nov 8, 2025, at 1:22 PM, Bob Kupperstein <[email protected]> wrote: >>>> >>>> IMO everyone should consider using a credit union rather than a bank - >>>> lower or no fees, lower penalties and charges, better service, etc. >>>> >>>> There are a number of excellent ones in the area and they use >>>> convenient ATM networks with no fees. >>>> >>>> -Bob >>>> >>>> On Saturday, November 8, 2025, nbergen--- via Lincoln < >>>> [email protected]> wrote: >>>> >>>>> I also use Middlesex Saving Bank and have for years. They are small >>>>> and personable and I love it. >>>>> >>>>> Nan B. >>>>> ------------------------------ >>>>> *From:* Lincoln <[email protected]> on behalf of Anna >>>>> Lombroso <[email protected]> >>>>> *Sent:* Saturday, November 8, 2025 11:07 AM >>>>> *To:* Anne Sobol <[email protected]> >>>>> *Cc:* [email protected] <[email protected]> >>>>> *Subject:* Re: [LincolnTalk] Replacing the Bank of America >>>>> >>>>> Another very satisfied Middlesex Savings Bank customer here, for 30 >>>>> years. Close branches in Wayland, W. Concord, Concord and Sudbury. >>>>> ACL >>>>> >>>>> Sent from my iPad >>>>> >>>>> On Nov 8, 2025, at 10:31 AM, Anne Sobol <[email protected]> wrote: >>>>> >>>>> >>>>> I also use Middlesex Savings Bank, it has lots of branches, and it is >>>>> a small bank which doesn't lend to fossil fuel projects, I think it mostly >>>>> lends for residential mortgages. >>>>> >>>>> On Fri, Nov 7, 2025 at 4:38 PM Jeff Eaton via Lincoln < >>>>> [email protected]> wrote: >>>>> >>>>> >>>>> Hello Steve- >>>>> >>>>> For what it's worth, I have been a customer of the Middlesex Savings >>>>> Bank (nee "Middlesex Institution for Savings") for over sixty years. >>>>> Likely that's more akin to an indication of inertia, but when I've needed >>>>> their services they have done well. I also have maintained a Safe >>>>> Deposit >>>>> Box with them for all these years... at their Main Street building, >>>>> Concord >>>>> Village. >>>>> >>>>> --- Jeff >>>>> >>>>> Jeff Eaton >>>>> 8 Storey Drive >>>>> <https://www.google.com/maps/search/8%0D%0A+Storey+Drive+%0D%0ALincoln+MA+01773-2109?entry=gmail&source=g> >>>>> Lincoln MA 01773-2109 >>>>> <https://www.google.com/maps/search/8%0D%0A+Storey+Drive+%0D%0ALincoln+MA+01773-2109?entry=gmail&source=g> >>>>> >>>>> Covid booster: October 17, 2025 >>>>> >>>>> cell: (781) 686-8120 >>>>> Land line: (781) 259-0321 >>>>> Permanent email address: >>>>> [email protected] >>>>> >>>>> * We are on a highway to climate hell ... with our foot still on >>>>> the accelerator.”* >>>>> >>>>> * - António Guterres, >>>>> 11-7-2022* >>>>> >>>>> >>>>> >>>>> In a message dated 11/7/2025 3:17:33 PM Eastern Standard Time, >>>>> [email protected] writes: >>>>> >>>>> >>>>> *Many of us have been notified of the BofA’s plans to leave Lincoln.* >>>>> >>>>> >>>>> *For some of us, it’s good riddance! Terrible hours, horrible customer >>>>> service (I was on hold for 40 minutes today waiting to ask a simple >>>>> question of the BofA’s national customer service team), interest rates on >>>>> deposits that sucked, and fees charged to customers that “blew” (the >>>>> opposite of sucked when money flows in the opposite direction!).* >>>>> >>>>> >>>>> *Obviously, the Rural Land Foundation will be working hard to find a >>>>> new bank, a better bank—one that is not just “here,” but one that is here >>>>> for its customers.* >>>>> >>>>> >>>>> *Right now, there is one thing that all current customers of the >>>>> Lincoln BofA branch can do to help the RLF attract a top-notch >>>>> replacement: >>>>> We can continue to rely on Lincoln’s BofA branch for safe deposit box >>>>> services. Think of that not as maintaining a relationship with the BofA, >>>>> but rather a relationship with the Lincoln Mall and the replacement bank >>>>> that the RLF secures.* >>>>> >>>>> >>>>> >>>>> *In evaluating the desirability of establishing a new branch in >>>>> Lincoln, the existence of our large safe deposit box base will be an >>>>> important inducement to open a branch here because it means not building a >>>>> customer base from scratch.* >>>>> >>>>> >>>>> >>>>> *For Lincolnites, maintaining a safe deposit box in Lincoln will be an >>>>> inducement to keep the rest of our banking business in Lincoln, and that >>>>> will help our new bank to succeed here.* >>>>> >>>>> >>>>> Regards, >>>>> Steve Low >>>>> >>>>> -- >>>>> The LincolnTalk mailing list. >>>>> To post, send mail to [email protected]. >>>>> Browse the archives at >>>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>>> <https://pairlist9.pair.net/mailman/private/lincoln/> >>>>> Change your subscription settings at >>>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>>> >>>>> -- >>>>> The LincolnTalk mailing list. >>>>> To post, send mail to [email protected]. >>>>> Browse the archives at >>>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>>> Change your subscription settings at >>>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>>> >>>>> -- >>>>> The LincolnTalk mailing list. >>>>> To post, send mail to [email protected]. >>>>> Browse the archives at >>>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>>> Change your subscription settings at >>>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>>> >>>>> -- >>>> The LincolnTalk mailing list. >>>> To post, send mail to [email protected]. >>>> Browse the archives at >>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>> Change your subscription settings at >>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>> >>>> >>>> -- >>>> The LincolnTalk mailing list. >>>> To post, send mail to [email protected]. >>>> Browse the archives at >>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>> Change your subscription settings at >>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>> >>>> -- >>>> The LincolnTalk mailing list. >>>> To post, send mail to [email protected]. >>>> Browse the archives at >>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>> Change your subscription settings at >>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>> >>>> -- >>> The LincolnTalk mailing list. >>> To post, send mail to [email protected]. >>> Browse the archives at >>> https://pairlist9.pair.net/mailman/private/lincoln/. >>> Change your subscription settings at >>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>> >>> -- >> The LincolnTalk mailing list. >> To post, send mail to [email protected]. >> Browse the archives at >> https://pairlist9.pair.net/mailman/private/lincoln/. >> Change your subscription settings at >> https://pairlist9.pair.net/mailman/listinfo/lincoln. >> >> -- >> The LincolnTalk mailing list. >> To post, send mail to [email protected]. >> Browse the archives at >> https://pairlist9.pair.net/mailman/private/lincoln/. >> Change your subscription settings at >> https://pairlist9.pair.net/mailman/listinfo/lincoln. >> >> >
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