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The Ecphorizer
Update to Home Banking Article Tod Wicks
 

I published an article last month that exposed Bank of America's HomeBanking scheme as little more than another means of ripping off the public with a non-essential service. This service was advertised as a form of electronic banking through use of your home computer. The ripoff was that, while bank branches were closing and personnel were being laid off (saving the bank several million dollars a year), the HomeBanking service would cost the user $8 a month for services that were normally provided by the bank through normal means, such as telephoning to check your balance.Thus, the bank was saving money by reducing branches and personnel and charging users of HomeBanking an overhead for helping the bank to reduce personnel by using electronic means to gain information.

Since writing that article, I have spoken with a former employee of Bank of America who also happens to be a home computer enthusiast. His first comment was, "How true, how true," when asked about the article. He also described his own experience with the service. If you were among those who signed up late last year, the introduction included the first four months free of charge. My source, always spotting a good deal, signed up.

His first complaint was that the designers of the program at BofA, wanting to be the first on the market with such a service, opted to have the display on your home terminal screen come up in a 40 (characters across) by 17 (lines down) format, this being the least common denominator. It is apparently the screen size of an Atari or some such. To use this format on most other terminals, such as Apple or IBM, the lower half of the screen is blank, and somewhat annoying. My source and I agreed that a simple user profile table in the main program would allow the new user to specify the screen format desired. This could be done as an answer to one of the questions on the application form, or done at the time the new user first logs onto the system. This sort of table is used extensively by operators of such computer bulletin board systems as STUART II to customize the format of each user.

My source also said that what you get is not all that hot for even the $4 per month employee fee; that only the most dedicated of computer hackers would find it worth the price. It is also interesting to note that you don't have to have a home computer to use HomeBanking. A terminal that connects to the phone line will actually do the same thing.



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About
Tod Wicks
A home computer aficionado [a relative rarity in 1982] with a license plate that says APPL II, our own Tod Wicks is also the originator of the Ian Faber Memorial Rallye. [for information about rallyes, check out our Special Rallye Issue.]

 


City Names Update 2006

Ah, how times do change, as does the familiar ring of old names of cities returning after the massive changes in Eastern Europe in the late 80s and early 90s.  Chemnitz is once again Chemnitz.  St. Petersburg is proudly back again.

And as noted to the left, some cities simply disappear off the map when other, larger, cities devour them.  This is true here in the SF Bay Area where behemouth San Jose is concerned.  Always in the shadow of San Francisco, San Jose keeps trying to gain stature among the top metropolitan areas of the world, but no matter hard this former canning center tries, it will never ever match San Francisco for style, fashion, culture, business, architecture, and pure elan.  That's not for trying, though, as San Jose has for years been gobbling up small nearby communities and adding them to "greater" San Jose:  Such places as Willow Glen, Robertsville, Almaden, Alviso, Coyote, Milpitas, oops, sorry, no one wants Milpitas.  San Jose has its eyes on San Martin and Cupertino these days.  Too bad, San Jose, you'll always by that little burg at the sourthern end of San Francisco Bay.  As a sign over a toilet in a business on Powell Street once urged:  Flush twice as San Jose needs the water.