> On Nov 10, 2025, at 3:12 PM, Sara Mattes <[email protected]> wrote: > > The most recent post highlights our need to be more sensitive. > We should not be so dismissive. > There are a variety of reasons people cannot do online banking, or travel to > another town. > Just because others, including myself, can do the above, it does not mean all > can. > > This does not mean we will be able to attract another bank, but we might try > if we are to live up to our claim to be inclusive. > > >> On Nov 10, 2025, at 3:01 PM, Rachel Marie Schachter >> <[email protected]> wrote: >> >> 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] >> <mailto:[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] >>>> <mailto:[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] >>>> <mailto:[email protected]>> wrote: >>>>> >>>>> >>>>> ---------- Forwarded message --------- >>>>> From: Lis Herbert <[email protected] <mailto:[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] >>>>> <mailto:[email protected]>> >>>>> CC: Lincoln Talk <[email protected] >>>>> <mailto:[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] <mailto:[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] >>>>>> <mailto:[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] <mailto:[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] <mailto:[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] >>>>>>>>>> <mailto:[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] <mailto:[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] >>>>>>>>>>> <mailto:[email protected]>> on behalf of Anna >>>>>>>>>>> Lombroso <[email protected] <mailto:[email protected]>> >>>>>>>>>>> Sent: Saturday, November 8, 2025 11:07 AM >>>>>>>>>>> To: Anne Sobol <[email protected] <mailto:[email protected]>> >>>>>>>>>>> Cc: [email protected] <mailto:[email protected]> >>>>>>>>>>> <[email protected] <mailto:[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] >>>>>>>>>>>> <mailto:[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] <mailto:[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] <mailto:[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] >>>>>>>>>>>> <mailto:[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]. >>>>>>>>>>>> <mailto:[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] >>>>>>>>>>>> <mailto:[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] >>>>>>>>>>>> <mailto:[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] >>>>>>>>>> <mailto:[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] >>>>>>>>> <mailto:[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] >>>>>>>> <mailto:[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] >>>>>>> <mailto:[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] >>>>>> <mailto:[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] >>>>> <mailto:[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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