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The Prairie Economist

The Prairie Economist features the research and viewpoints of Mike Moebs of Moebs Services and other members of the Moebs team.

Overdraft fee policy can follow two different strategies, according to Mike Moebs, "The Prairie Economist." Financial institutions have a choice of polar opposites—but he says they must do something.
The Prairie Economist

Overdraft service demands a decision

Written by Mike Moebs | 03/17/2017 - 12:41 |
Comments:   DISQUS_COMMENTS
Your pricing may be off. Here are thoughts on how to adjust it
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Balancing a checkbook may be an old-fashioned concept for some depositors, but for a bank maximizing the return of transaction-account service is something of a balancing act itself.
The Prairie Economist

What does your checking service cost?

Written by Mike Moebs | 02/03/2017 - 21:49 |
Comments:   DISQUS_COMMENTS
Efficiently operated financial institutions have lowest expenses
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Mike Moebs, "The Prairie Economist," has teased out some trends from federal financial reporting that are not only instructive, but have some practical application for bankers.
The Prairie Economist

7 takeaways from 2016 for 2017

Written by Mike Moebs | 01/05/2017 - 15:42 |
Comments:   DISQUS_COMMENTS
Significant 2016 changes seen for banks and credit unions in call report numbers
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Mike Moebs, "The Prairie Economist," believes the Truth in Savings Act is one of those banking laws that actually wound up working for everyone.
The Prairie Economist

Marking Truth in Savings’ 25th year

Written by Mike Moebs | 12/22/2016 - 11:36 |
Comments:   DISQUS_COMMENTS
Did TISA get it right?
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For decades many bankers have wanted credit unions to pay taxes. "Prairie Economist" Mike Moebs suggests there's an attractive alternative to having IRS chase the bulk of the credit union industry.
The Prairie Economist

Should credit unions be taxed?

Written by Mike Moebs | 12/10/2016 - 16:35 |
Comments:   DISQUS_COMMENTS
Taxing small banks and credit unions isn’t the answer. Jobs and efficiency are
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How long will your bank hold onto its deposit advantage? Mike Moebs has some ideas on how to hold onto your best accounts.
The Prairie Economist

Why are checking balances so high?

Written by Mike Moebs | 11/15/2016 - 19:04 |
Comments:   DISQUS_COMMENTS
2017 could mark the Checking Exodus. How to stop the keepers from going?
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Do’s and Don’ts when selling financial services
The Prairie Economist

Do’s and Don’ts when selling financial services

Written by Mike Moebs | 10/21/2016 - 03:14 |
Comments:   DISQUS_COMMENTS
Reassessing the process in light of Wells Fargo mess
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Which factor ranks in your bank's sales program, a transaction orientation or a relationshiip orientation?
The Prairie Economist

Weighing your options for cross-selling

Written by Mike Moebs | 10/09/2016 - 18:56 |
Comments:   DISQUS_COMMENTS
Wells Fargo scandal demands a fresh look at how you pay for sales
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Stop selling like you're in the shoe business. Bankers' stock-in-trade is service, and remembering that gets the customer relationship off on the right foot.
The Prairie Economist

Banks sell services—not products

Written by Mike Moebs | 09/23/2016 - 11:06 |
Comments:   DISQUS_COMMENTS
And in light of the Wells Fargo affair, that’s critical to understand
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