News of the finance

Well, our president may not have a magic wand, but it looks like our Fed Chairman does.

This weekend Big Ben got together with his govt. cronies and they whipped up a wicked brew that is the antidote to the housing crisis and savior of all things financial. The SEC put the clamps on the shorts, the Treasury got into the mortgage underwriting business and Big Ben opened the Fed money faucet a little wider.

Hooray!??

Let's see, that's $30B for Bear Stearns, $8B for Indy Mac & now $5T worth of mortgages at Fannie and Freddie. I wonder if the cost of printing dollars has gone up with the increased raw material costs?

Our LD President Bush danced on the scene with an empty promise to drill the OCS for a few hundred thousand Bpd in 10 years and the world was right again.

Oil plunged, bank stocks soared. It must have brought a smile to their faces.

But is it reality? Have the finance gods truly been appeased?

Read the rest of this entry »

Despite my fascination with failing companies and banks, there is some bright news out there. Wells Fargo is delighting traders with lower-than-expected profits but stronger than expected quarterly earnings (down 23 percent, but still much better than expected). It will pay out 10 percent more in dividends to shareholders which inspired confidence and sent shares soaring.

US Bancorp earnings dropped 18.5%, but is considered a huge success by the standards right now. Securities losses, loan charge-offs and a rise in loan loss reserves contributed to the slide.

JPMorganChase issued $2.4 billion in new write-downs and credit provisions. However, its net income of $2 billion, or 54 cents a share, beat Wall Street’s expectations of 44 cents a share, thanks to strong results in its commercial banking and treasury operations. Revenue fell 3 percent to $18.4 billion, beating expectations of $16.6 billion.

The good ones are good only by comparing them to the bad ones.

This post is a follow up to Rotation, Rotation, Rotation in June.

Over the last month, we have seen the trends highlighted in that note accelerate. The March lows did not hold in the SPX and the financials led the way with the XLF (Financials Select Sector SPDR) dropping a full 26% for the month at its lows just two days ago. The SPX "only" dropped almost 11% in comparison.

But in the last two trading days, both have almost halved their losses for the month with the XLF jumping almost 25% from top to bottom in two days! Of course the math still leaves XLF down over 12.5% since our writing and SPX lagging relatively in the comeback with a loss of still over 7%. Since Wrong Again Ben in December, the XLF is down over 31% with the SPX down almost 15%.

Read the rest of this entry »

The U.S. loses about $100 billion annually due to offshore tax evasion, according to a Senate probe that is taking aim at Swiss bank UBS AG and Liechtenstein's LGT Group for allegedly marketing tax-evasion strategies to wealthy Americans.

U.S. clients hold about 19,000 accounts at UBS, with an estimated $18 billion to $20 billion in assets, in Switzerland, according to the findings from the Senate probe and Justice Department prosecutors.

The findings by the Senate Permanent Subcommittee on Investigations come ahead of a hearing Thursday featuring testimony from senior officials from the Internal Revenue Service and the Justice Department related to investigations into alleged tax evasion.

The probe adds fuel to a burgeoning effort by tax authorities around the globe to shatter the veil of bank secrecy that tax havens hide behind in catering to the world's elite.

Investigators weren't able to obtain data about LGT, but said the IRS has identified at least 100 accounts with U.S. clients at the Liechtenstein bank.

Democratic Sen. Carl Levin, of Michigan, chairman of the subcommittee, is pushing legislation to tighten requirements that could force more disclosure by banks. "We are determined to tear down these walls of secrecy and to break through the iron rings of deception," he said at a briefing Tuesday.

Documents highlighted in the Senate probe include one LGT memorandum that describes a client using accounts to move funds "to the USA and Panama and may be classified as bribes."

An LGT spokesman said it provided information to the committee investigators, and characterizes as "dated" many of the documents.

The committee has subpoenaed several U.S. taxpayers, who, investigators say, maintained LGT accounts unknown to the IRS.

The four on the witness list are: Peter Lowy, of Beverly Hills, Calif., whose family controls Australian shopping-mall developer Westfield Group; Steven Greenfield, a toy importer from New York; Shannon Marsh, whose family owned a construction company in Fort Lauderdale, Fla.; and William Wu, of Forest Hills, N.Y.

According to documents cited in the investigation, the Lowy family once maintained through LGT a series of Liechtenstein-based foundations that in 2001 held $68 million in assets. The foundations are similar to trust accounts in U.S. and other jurisdictions. The Liechtenstein foundations were at the subject of a settlement between the Lowy family entity and Australian tax authorities more than a decade ago.

Attorneys for Messrs. Greenfield and Wu declined to comment. An attorney for Mr. Marsh didn't return calls seeking comment.

Robert S. Bennett, an attorney for Mr. Lowy, said his client was traveling and couldn't attend Thursday's hearing. "The Lowy family has done nothing improper," Mr. Bennett said, adding that the family believed the subcommittee report was a "rush to judgment."

For investigators and prosecutors, the biggest break has come from testimony given by former employees of UBS and LGT. UBS banker Bradley Birkenfeld pleaded guilty June 19 to helping his U.S. clients evade taxes. He told U.S. prosecutors that the Swiss bank generates some $200 million a year in revenue from U.S. clients, prosecutors say.

Investigators also have been aided by information from Heinrich Kieber, a former employee of LGT, who has turned over account data to tax authorities in Germany, Australia, the U.S. and other nations.

The data have aided investigations in several countries; in Spain Tuesday, police raided offices of several financial firms accused by prosecutors of aiding rich Spanish citizens connect with bankers in Liechtenstein.

UBS is in talks with the IRS and Justice Department. Authorities are having a tougher time seeking help from Liechtenstein, which is clinging to its secrecy laws. UBS is sending a senior wealth-management official to testify; LGT declined to offer testimony Thursday, saying its client-secrecy laws would prevent any official from answering the questions senators have.

A UBS spokeswoman said the company continues to work with authorities to correct any improprieties found by the investigation.

OVERTIME PAY HELD UP, TELLERS CHARGE
Janet Nicol. 

DARA FRESCO, a 34-year-old head teller at Canadian Imperial Bank of Commerce in Toronto made headlines earlier this year when she announced a class action claim against her employer for non-payment of overtime.

Doug Elliot, a lawyer involved in the case, calls the suit the "largest unpaid class action ever launched in Canada. We believe it will establish an important class-action precedent"

The statement of claim alleges CIBC nonmanagement employees are assigned heavy workloads that cannot be completed within standard working hours, and that, at least in Fresco's case, she was told not to claim any of it as overtime. Fresco continues to work at the bank after filing the court claim in June.

The suit is seeking $600 million in damages on behalf of 10,000 current and former customer service staff. CIBC has responded that the company has a "clearly defined" overtime policy that "exceeds legislative requirement."

The suit could take some time. Even the first step, having the lawsuit certified-that is, considered a legitimate class action suit-could take as long as a year.

Similar lawsuits in the U.S. have forced employers to pay overtime at Wal-Mart, Starbucks, Taco Bell and Radio Shack. Class action suits are less common in Canada, but if Fresco succeeds, thousands of bank workers will benefit.

Since women began filling bottom-rung bank jobs in large numbers in the mid-1900s, they have complained of poor working conditions. Trade union organizing drives in the banks started in the 1970s, but either failed or resulted in too few bargaining units to make a difference. A small feminist union in B.C. woke up the labour movement in 1976, organizing 22 bank branches in B.C. and Saskatchewan. The Service, Office and Retail Workers Union of Canada (SORWUC) managed to sign on 700 bank employees, gained a significant legal victory to unionize branch by branch and publish a book [An Account to Settle).

In a recent telephone interview, Jean Rands, a founder of SORWUC, said unpaid overtime was a key issue back then. The banks "smartened up for awhile" after the organizing drive, she said, and paid overtime to keep the unions out.

A year after SORWUC began organizing, eight women bankworkers in Willmar, Minnesota, risked jobs, friends and the opposition of church and community to embark on the longest bank strike in their country's history. Their isolated and valiant struggle was documented by Lee Grant in a film called The Willmar 8.

Today, banks are still largely unorganized, with employees experiencing layoffs and few improvements to their wages and benefits. Organized bankworkers are represented by the United Steelworkers or the Canadian Office and Professional Employees Union ata small number of bank branches and credit unions scattered across the country.

Fresco claims she is owed about $50,000 for the two to five hours of additional work she says she's put in every week during her 10-year career. She currently makes an annual salary of $30,715.

Elliott and his firm and are working with lawyers across Canada to establish that CIBC is violating the federal labour code by denying overtime pay to employees. The Toronto law firm has set up a web site (www.unpaidovertime.ca) where CIBC employees can register. Hundreds of frontline CIBC staffers have registered online to keep abreast of the proceedings.

CIBC is Canada's fifth-largest bank and posted a profit of $807 million in its second quarter, ending April 30, up from $585 million in the same quarter a year ago.

Reprinted from Herizons magazine, Winter, 2007.

Altamonte Springs Branch
460 East Altamonte Drive Altamonte Springs, FL 12117


Apollo Beach Branch
203 Apollo Beach Boulevard Apollo Beach, FL 12057


Apopka Branch
33 East Main Street Apopka, FL 12095


Forest City Branch
555 South Hunt Club Boulevard Apopka, FL 12117


Arcadia Branch
1409 East Oak Street Arcadia, FL 12027


Fleet Landing Branch
One Fleet Landing Boulevard Atlantic Beach, FL 12031


Atlantis Branch
100 Jfk Drive Atlantis, FL 12099


Auburndale Branch
300 Havendale Boulevard Auburndale, FL 12105


Williams Island Branch
18305 Biscayne Boulevard Aventura, FL 12086


Aventura Mall Branch
19645 Biscayne Boulevard Aventura, FL 12086


Avon Park Branch
851 U.S. Highway 27 South Avon Park, FL 12055


Bay Harbor Islands Branch
1108 Kane Concourse Bay Harbor Islands, FL 12086


Bayonet Point Branch
7419 State Road 52 Bayonet Point, FL 12101


Belle Glade Branch
915 South Main Street Belle Glade, FL 12099


Belleair Bluffs Branch
125 Indian Rocks Road North Belleair Bluffs, FL 12103


Belleview Branch
5222 S.E. Abshier Boulevard Belleview, FL 12083


Beverly Hills Branch
3505 North Lecanto Highway Beverly Hills, FL 12017


Big Pine Key Branch
30572 Overseas Highway Big Pine Key, FL 12087


Blountstown Branch
16763 Se South Pear St. Blountstown, FL 12013


East Boca Raton Branch
1000 North Federal Highway Boca Raton, FL 12099


East Palmetto Branch
150 East Palmetto Park Road Boca Raton, FL 12099


Gulfstream Club - E Palmetto Branch
150 East Palmetto Park Road Boca Raton, FL 12099


Polo Club Branch
17960 North Military Trail Boca Raton, FL 12099


Glades Road Branch
2000 West Glades Road Boca Raton, FL 12099


Mission Bay
20431 U. S. Highway 441 Boca Raton, FL 12099


St. Andrews Branch
21060 St. Andrews Boulevard Boca Raton, FL 12099


Sandalfoot Cove Branch
23123 State Road 7 Boca Raton, FL 12099


Spanish River Branch
4000 North Federal Highway Boca Raton, FL 12099


Boca Palmetto Branch
7000 West Palmetto Park Road Boca Raton, FL 12099


Boca Del Mar Branch
7024 West Palmetto Park Road Boca Raton, FL 12099


Somerset Shoppes Branch
8903 Glades Road Boca Raton, FL 12099


Pine Island Road Branch
5041 Pine Island Road, N.W. Bokeelia, FL 12071


Bonita/ 1-75 Branch
11800 Saradrienne Lane Bonita Springs, FL 12071


Pelican Landing Branch
24550 South Tamiami Trail Bonita Springs, FL 12071


East Bonita Springs Branch
9020 Bonita Beach Road, S.E. Bonita Springs, FL 12071


Boynton Plaza Branch
105 North Congress Avenue Boynton Beach, FL 12099


East Boynton Branch
114 North Federal Highway Boynton Beach, FL 12099


Village Square Branch
3603 West Woolbright Road Boynton Beach, FL 12099


Meadows Square Branch
4793 North Congress Avenue Boynton Beach, FL 12099


Instore Le Chalet/Military Branch
4966 Lechalet Boulevard Boynton Beach, FL 12099


Boynton Trails Branch
9760 Military Trail Boynton Beach, FL 12099


Gateway North
11200 State Road 64 East Bradenton, FL 12081


Downtown Bradenton Branch
1201 Sixth Avenue West Bradenton, FL 12081


College Plaza Branch
3401 Cortez Road West Bradenton, FL 12081


Braden Plaza Branch
4302 State Road 64 East Bradenton, FL 12081


Westside Branch
4311 Manatee Avenue West Bradenton, FL 12081


Tamiami Branch
4545 14th Street West Bradenton, FL 12081


Peridia Branch
5315 39th Street East Bradenton, FL 12081


Bayshore Branch
6160 14th Street West Bradenton, FL 12081


Lakewood Ranch Branch
6311 Atrium Drive, Suite 101 Bradenton, FL 12081


Tara Branch
7223 55th Avenue, East Bradenton, FL 12081


Palma Sola Branch
7412 Manatee Avenue West Bradenton, FL 12081


Cortez Road Branch
9416 Cortez Road West Bradenton, FL 12081


Brandon Towne Center Branch
2105 West Brandon Boulevard Brandon, FL 12057


Brandon Branch
300 South Parsons Avenue Brandon, FL 12057


Brooksville Market Square
7485 Broad Street Brooksville, FL 12053


Bunnell Branch
303 East Moody Boulevard Bunnell, FL 12035


Callahan Branch
300 First Avenue East Callahan, FL 12089


Instore Cape Coral/Chiquita Blvd Bra
1616 Cape Coral Parkway West Cape Coral, FL 12071


North Cape Coral Branch
1707 Del Prado Boulevard South Cape Coral, FL 12071


Veterans And Skyline Branch
2536 Skyline Boulevard Cape Coral, FL 12071


Pelican Boulevard Branch
407 Cape Coral Parkway West Cape Coral, FL 12071


Viscaya Branch
909 Del Prado Blvd, South Cape Coral, FL 12071


South Cape Coral Branch
926 Cape Coral Parkway Cape Coral, FL 12071


Red Bug Road Branch
1001 Red Bug Lake Road Casselberry, FL 12117


Celebration Branch
700 Celebration Avenue Celebration, FL 12097


Island Estates Branch
122 Island Way Clearwater, FL 12103


Sand Key Branch
1261 Gulf Boulevard Suite 128 Clearwater, FL 12103


Mcmullen Booth Road Branch
1600 Mcmullen Booth Road Clearwater, FL 12103


Missouri Avenue Branch
1610 South Missouri Avenue Clearwater, FL 12103


Gulf To Bay Boulevard Branch
1640 Gulf-To-bay Boulevard Clearwater, FL 12103


Beckett Lake Branch
1911 North Belcher Road Clearwater, FL 12103


South Clearwater Branch
2200 Belleair Road Clearwater, FL 12103


Countryside Branch
2571 Countryside Boulevard Clearwater, FL 12103


Feather Sound Branch
2727 Ulmerton Road Clearwater, FL 12103


Northwood Branch
3000 Enterprise Road East Clearwater, FL 12103


Downtown Clearwater Branch
600 Cleveland Street Clearwater, FL 12103


East Towne Center Branch
13910 County Road 455 Clermont, FL 12069


Four Corner Banking Center Branch
518 Us Highway 27 Clermont, FL 12069


Clermont Branch
690 East Highway 50 Clermont, FL 12069


Cocoa Branch
430 Brevard Avenue Cocoa, FL 12009


Port St. John Branch
660 West Avenue Cocoa, FL 12009


Causeway Branch
4300 North Atlantic Avenue Cocoa Beach, FL 12009


Cocoa Beach Branch
82 North Atlantic Avenue Cocoa Beach, FL 12009


Coconut Creek Banking Center Branch
4803 Coconut Creek Parkway Coconut Creek, FL 12011


Parkland Branch
6650 North State Road 7 Coconut Creek, FL 12011


Coconut Grove Branch
3211 Grand Avenue Coconut Grove, FL 12086


Cooper City Branch
5504 South Flamingo Road Cooper City, FL 12011


South Miami Branch
1500 South Dixie Highway Coral Gables, FL 12086


Coral Gables Branch
2308 Ponce De Leon Boulevard Coral Gables, FL 12086


Douglas Centre Branch
2600 South Douglas Road Coral Gables, FL 12086


Coral Springs Drive Branch
10425 West Sample Road Coral Springs, FL 12011


Instore Lakeview Branch
1400 Coral Ridge Drive Coral Springs, FL 12011


South Coral Springs Branch
1401 University Drive Coral Springs, FL 12011


North Coral Springs Branch
3200 North University Drive Coral Springs, FL 12011


Parkland Isles Branch
6101 Coral Ridge Drive Coral Springs, FL 12011


Wiles Road Branch
9140 Wiles Road Coral Springs, FL 12011


Lake Grove Branch
913 North Summit Street Crescent City, FL 12107


Instore Wal-Mart Crestview Branch
3351 South Ferdon Boulevard Crestview, FL 12091


Cross City Branch
510 Leon Street Cross City, FL 12029


Crystal River Branch
450 S.E. Us Highway 19 Crystal River, FL 12017


Dade City Branch
37939 Church Avenue Dade City, FL 12101


Coquina Branch
15891 Sheridan Street Davie, FL 12011


Davie Branch
3580 South University Drive Davie, FL 12011


West Stirling Road Branch
6300 Stirling Road Davie, FL 12011


International Speedway Blvd Branch
1025 International Speedway Boulevard Daytona Beach, FL 12127


Daytona West Branch
1550 South Clyde Morris Boulevard Daytona Beach, FL 12127


Daytona Beach Shores Branch
3046 South Atlantic Avenue Daytona Beach, FL 12127


De Bary Branch
150 Highways 17 And 92 South De Bary, FL 12127


Defuniak Springs Branch
138 Highway 90 East De Funiak Springs, FL 12131


Deerfield Beach Branch
1000 South Federal Highway Deerfield Beach, FL 12011


Hillsboro Boulevard Branch
1701 West Hillsboro Boulevard Deerfield Beach, FL 12011


Deerfield Century Village Branch
1862 West Hillsboro Boulevard Deerfield Beach, FL 12011


Deer Creek Branch
3311 West Hillsboro Boulevard Deerfield Beach, FL 12011


Deland Branch
230 North Woodland Boulevard Deland, FL 12127


Deland South Branch
2599 South Woodland Boulevard Deland, FL 12127


Brandywine Branch
3101 North Woodland Boulevard Deland, FL 12127


East Delray Beach Branch
1001 East Atlantic Avenue Delray Beach, FL 12099


West Delray Branch
16126 South Military Trail Delray Beach, FL 12099


Linton Center Branch
1801 South Federal Highway Delray Beach, FL 12099


Central Delray Branch
4650 West Atlantic Avenue Delray Beach, FL 12099


South Delray Branch
551 S.E. Eighth Street Delray Beach, FL 12099


Oriole Branch
7215 West Atlantic Avenue Delray Beach, FL 12099


East Normandy Branch
1241 East Normandy Boulevard Deltona, FL 12127


Elkcam Boulevard Branch
2745 Elkcam Boulevard Deltona, FL 12127


Destin Branch
1014 Highway 98 East Destin, FL 12091


Dunedin Branch
1080 Keene Road Dunedin, FL 12103


East Dunedin Branch
1160 Belcher Road Dunedin, FL 12103


Dunnellon Branch
11682 North Williams Street Dunnellon, FL 12083


Edgewater Branch
1900 South Ridgewood Avenue Edgewater, FL 12127


Ellenton Branch
3600 U.S. Highway 301 Ellenton, FL 12081


Ridgewood Branch
7008 Highway 301 North Ellenton, FL 12081


Englewood Branch
10 North Indiana Avenue Englewood, FL 12115


Merchants Crossing Branch
1785 South Mccall Road Englewood, FL 12015


Rotonda Branch
5885 Placida Road Englewood, FL 12015


Miromar Outlet Branch
10840 Miromar Outlet Drive Estero, FL 12071


Eustis Branch
100 North Bay Street Eustis, FL 12069


Eighth Street Branch
1822 South Eighth Street Fernandina Beach, FL 12089


Centre Street Branch
520 Centre Street Fernandina Beach, FL 12089


Flagler Beach Branch
300 South Oceanshore Boulevard Flagler Beach, FL 12035


Bayview Drive Branch
1040 Bayview Drive, Suite 120 Fort Lauderdale, FL 12011


East Sunrise Boulevard Branch
1745 East Sunrise Boulevard Fort Lauderdale, FL 12011


Harbor Beach Branch
2406 S.E. 17th Street Causeway Fort Lauderdale, FL 12011


Riverland Branch
3030 Davie Boulevard Fort Lauderdale, FL 12011


Coral Ridge Banking Center Branch
3600 North Federal Highway Fort Lauderdale, FL 12011


Broward And 441 Branch
3800 West Broward Boulevard Fort Lauderdale, FL 12011


Las Olas Branch
401 East Las Olas Boulevard, Lobby G-1 Fort Lauderdale, FL 12011


Galt Branch
4012 North Ocean Boulevard Fort Lauderdale, FL 12011


North Fort Lauderdale Branch
4901 North Federal Highway Fort Lauderdale, FL 12011


Bay Colony Branch
6100 North Federal Highway Fort Lauderdale, FL 12011


Cypress Creek Branch
888 N.W. 62nd Street Fort Lauderdale, FL 12011


Port Everglades Branch
901 S.E. 17th Street Causeway Fort Lauderdale, FL 12011


Gateway Boulevard Branch
11691 Gateway Boulevard Fort Myers, FL 12071


Bell Tower Branch
13099 U.S. 41, S.E. Fort Myers, FL 12071


Daniels Crossing
13650 Six Mile Cypress Parkway Fort Myers, FL 12071


Fort Myers Shores Branch
14362 State Road 80 Fort Myers, FL 12071


Shell Point Branch
14990-1 Shell Point Boulevard Fort Myers, FL 12071


Summerlin Branch
1511 Matthew Drive Fort Myers, FL 12071


Instore Winkler/Summerlin Bkg Ctr Br
15880 Summerlin Road Fort Myers, FL 12071


Kelly Road Branch
16020 San Carlos Boulevard Fort Myers, FL 12071


San Carlos Plaza Branch
19017 South Tamiami Tr Fort Myers, FL 12071


Downtown Fort Myers Branch
2400 First Street Fort Myers, FL 12071


Winkler Avenue Branch
2850 Winkler Avenue Fort Myers, FL 12071


East Fort Myers Branch
4301 Palm Beach Boulevard Fort Myers, FL 12071


Whiskey Creek Branch
6100 Whiskey Creek Drive Fort Myers, FL 12071


Six Mile Cypress Branch
8081 Dani Drive Fort Myers, FL 12071


Cypress Lake Branch
8681 Cypress Lake Drive Fort Myers, FL 12071


Villa Santini Plaza Branch
7205 Estero Boulevard Fort Myers Beach, FL 12071


Sabal Palm Branch
2421 South Us Highway 1 Fort Pierce, FL 12111


Feeder Road Branch
5345 Sunshine State Parkway Fort Pierce, FL 12111


Fort Walton Beach Branch
189 Eglin Parkway, N.E. Fort Walton Beach, FL 12091


Frostproof Branch
704 North Scenic Highway Frostproof, FL 12105


University Avenue Branch
1116 West University Avenue Gainesville, FL 12001


Main Street Branch
1961 North Main Street Gainesville, FL 12001


Milhopper Branch
2627 Northwest 43rd Street Gainesville, FL 12001


13th Street Branch
2815 N.W. 13th Street Gainesville, FL 12001


Southwest Branch
7100 S.W. Archer Road Gainesville, FL 12001


Newberry Square Branch
7606 West Newberry Road Gainesville, FL 12001


Green Cove Springs Branch
1300 Cooks Lane Ne Green Cove Springs, FL 12019


Gulf Breeze Branch
301 Gulf Breeze Parkway Gulf Breeze, FL 12113


Instore Walmart Tiger Point
3767 Gulf Breeze Parkway Gulf Breeze, FL 12113


Gulfport Branch
2808 58th Street South Gulfport, FL 12103


Haines City Branch
905 East Hinson Avenue Haines City, FL 12105


Hallandale Beach Branch
801 East Hallandale Beach Boulevard Hallandale, FL 12011


North Hialeah Branch
1 East 49th Street Hialeah, FL 12086


South Hialeah Branch
1001 East Ninth Street Hialeah, FL 12086


Royal Oaks Branch
15400 N.W. 77th Court Hialeah, FL 12086


Palmetto Lakes Branch
16320 N.W. 57th Avenue Hialeah, FL 12086


Hialeah Miami Springs Branch
175 East Hialeah Drive Hialeah, FL 12086


Miami Gardens Branch
18400 N.W. 67th Avenue Hialeah, FL 12086


Hialeah West Branch
2170 W 68th Street Hialeah, FL 12086


Instore Garden Square Branch
8601 Northwest 186th Street Hialeah, FL 12086


Hialeah Branch
900 West 49th Street Hialeah, FL 12086


Hialeah Gardens Branch
8078 N.W. 103rd Street Hialeah Gardens, FL 12086


High Springs Branch
35 North Main Street High Springs, FL 12001


Hobe Sound Branch
11900 South East Federal Highway Hobe Sound, FL 12085


South Holiday Branch
4539 Bartelt Road Holiday, FL 12101


Bishops Glen Branch
900 11th Street Holly Hill, FL 12127


Tyler Street Branch
1900 Tyler Street Hollywood, FL 12011


West Hollywood Branch
2655 North 60th Avenue (State Road 7) Hollywood, FL 12011


Stirling Square Branch
2903 Stirling Road Hollywood, FL 12011


Presidential Circle Branch
3801 Hollywood Boulevard Hollywood, FL 12011


Ocean Drive Branch
3900 South Ocean Drive Hollywood, FL 12011


Emerald Hills Branch
4601 Sheridan Street Hollywood, FL 12011


Washington Park Branch
901 South State Road 7, Ste. 100 Hollywood, FL 12011


Beaches Branch
699 Manatee Avenue Holmes Beach, FL 12081


Homestead East Branch
3050 N.E. 43rd Avenue Homestead, FL 12086


Homestead Branch
850 North Homestead Boulevard Homestead, FL 12086


Homosassa Springs Branch
4395 South Suncoast Boulevard Homosassa, FL 12017


Hudson Branch
12935 U.S. 19 Hudson, FL 12101


Immokalee Branch
1501 Lake Trafford Road Immokalee, FL 12021


Indialantic Branch
333 Fifth Avenue Indialantic, FL 12009


Indian Harbour Branch
202 East Eau Gallie Boulevard Indian Harbour Beach, FL 12009


Inverness Branch
1007 U.S. Highway 41 North Inverness, FL 12017


Citrus Village Branch
2483 East Gulf To Lake Highway Inverness, FL 12017


Islamorada Branch
81541 Old Highway 1 Islamorada, FL 12087


North Mandarin Branch
10445 San Jose Boulevard Jacksonville, FL 12031


North Jacksonville Branch
1055 Dunn Avenue Jacksonville, FL 12031


Mandarin Crossroads Branch
10560 Old Saint Augustine Road Jacksonville, FL 12031


Baymeadows & 9a
10925 Baymeadows Road Jacksonville, FL 12031


South Mandarin Branch
11790 San Jose Boulevard Jacksonville, FL 12031


Instore Kernan/Beach Branch
12620 Beach Boulevard Jacksonville, FL 12031


Harbour Place Branch
13170 Atlantic Boulevard Jacksonville, FL 12031


Batram Park Village Banking Center B
13840 Saint Augustine Road Jacksonville, FL 12031


San Pablo Center Branch
14288 Beach Boulevard Jacksonville, FL 12031


San Marco Branch
2011 San Marco Boulevard Jacksonville, FL 12031


Cobblestone Crossing Branch
2709 Monument Road Jacksonville, FL 12031


University Pointe Branch
3535 University Boulevard West Jacksonville, FL 12031


Julington Creek Branch
425 State Road 13 North Jacksonville, FL 12109


Roosevelt Branch
4500 Wabash Avenue Jacksonville, FL 12031


Downtown Jacksonville Branch
50 North Laura Street Jacksonville, FL 12031


Fort Caroline Branch
5560 Fort Caroline Road Jacksonville, FL 12031


Instore Atlantic/Bartram Branch
5858 Atlantic Boulevard Jacksonville, FL 12031


Moncrief Road Branch
5859 Moncrief Road Jacksonville, FL 12031


Southpoint Branch
6622 Southpoint Drive South Jacksonville, FL 12031


Instore 103rd/Ricker Branch
7628-24 103rd Street Jacksonville, FL 12031


Normandy Branch
7770 Normandy Boulevard Jacksonville, FL 12031


Murray Hill Branch
840 South Edgewood Avenue Jacksonville, FL 12031


Baymeadows Branch
9225 Baymeadows Road Jacksonville, FL 12031


Regency Branch
9550 Regency Square Boulevard Jacksonville, FL 12031


Instore Baymeadows/Southside Branch
9964 Old Baymeadows Road Jacksonville, FL 12031


Marsh Landing Branch
860 Marsh Landing Parkway Jacksonville Beach, FL 12031


Jasper Branch
105 N.E. 2nd Avenue Jasper, FL 12047


Jensen Beach Branch
3321 N.W. Federal Highway Jensen Beach, FL 12085


Instore Jupiter Farms/Indiantown Rd
10142 West Indiantown Road Jupiter, FL 12099


Jupiter Square Branch
51 South U.S. Highway 1 Jupiter, FL 12099


Abacoa Plaza
5470 South Central Blvd. Jupiter, FL 12099


Chasewood Plaza Branch
6410 West Indiantown Road Jupiter, FL 12099


Key Biscayne Branch
260 Crandon Boulevard, Suite 1 Key Biscayne, FL 12086


Ocean Reef Branch
31 Ocean Reef Drive, Ocean Reef Club Key Largo, FL 12087


Key Largo
99551 Overseas Highway Key Largo, FL 12087


Key West Flagler Branch
3200 Flagler Avenue Key West, FL 12087


Duval Branch
510 Southard Street Key West, FL 12087


West Oak Street Branch
1111 West Oak Street Kissimmee, FL 12097


Osceola & John Young Branch
1200 West Osceola Parkway Kissimmee, FL 12097


Mill Creek Branch
1300 Denn John Lane Kissimmee, FL 12097


Kissimmee Branch
1703 West Vine Street Kissimmee, FL 12097


Ventura Downs Branch
2000 Osceola Parkway Kissimmee, FL 12097


Buenaventura Lakes Branch
2501 Boggy Creek Road Kissimmee, FL 12097


Pleasant Hill Office
3305 South Orange Blossom Trail Kissimmee, FL 12097


Poinciana Branch
35 South Doverplum Avenue Kissimmee, FL 12097


2315 Parr Drive Branch
2315 Parr Drive Lady Lake, FL 12119


Lady Lake Branch
901 South U.S. Highway 27/441 Lady Lake, FL 12069


Downtown Lake City
164 Nw Madison St., Ste 101 Lake City, FL 12023


South 1st Street Branch
3000 South First Street Lake City, FL 12023


Gleasons Mall
4277 U.S. 90 West Lake City, FL 12023


Lake Mary Branch
4501 West Lake Mary Boulevard Lake Mary, FL 12117


Lake Placid Branch
611 Dal Hall Blvd. Lake Placid, FL 12055


Lake Wales Branch
1 North First Street, Suite 100 Lake Wales, FL 12105


East Lake Wales Branch
1100 State Road 60 East Lake Wales, FL 12105


Downtown Lake Worth Branch
14 North Federal Highway Lake Worth, FL 12099


Lake Worth-Military Trail Branch
3716 South Military Trail Lake Worth, FL 12099


Wycliffe Branch
4364 State Road 7 Lake Worth, FL 12099


Pinewood Square Branch
6360 Lantana Road Lake Worth, FL 12099


West Lake Worth Branch
7281 Lake Worth Road Lake Worth, FL 12099


Town Commons Branch
8819 Hypoluxo Road Lake Worth, FL 12099


Southgate Lakeland Branch
2301 South Florida Avenue Lakeland, FL 12105


Combee Branch
2536 U.S. Highway 92 East Lakeland, FL 12105


Lakeland Branch
331 South Florida Avenue Lakeland, FL 12105


Northside Branch
4330 Us Highway 98 North Lakeland, FL 12105


Lake Miriam Branch
5001 South Florida Avenue Lakeland, FL 12105


Plantation Square Branch
5301 North Socrum Loop Road Lakeland, FL 12105


Christina Branch
6990 South Florida Avenue Lakeland, FL 12105


Land O'lakes Branch
21725 Village Lake Shopping Center Land O'lakes, FL 12101


North Seminole Branch
10900 Seminole Boulevard Largo, FL 12103


Indian Rocks Branch
12046 Indian Rocks Road Largo, FL 12103


Belcher/Ulmerton Branch
13625 Belcher Road South Largo, FL 12103


East Bay Drive/Starkey Branch
2600 East Bay Drive Largo, FL 12103


Mid-Pinellas Branch
6599 Ulmerton Road Largo, FL 12103


Lauderdale Lakes Branch
3661 West Oakland Park Boulevard Lauderdale Lakes, FL 12011


Inverrary Branch
4400 Inverrary Boulevard Lauderhill, FL 12011


Lake Village Branch
10715 U.S. Highway 441 Leesburg, FL 12069


14th Street Branch
401 North 14th Street Leesburg, FL 12069


Lehigh Acres Branch
1360 Homestead Road Lehigh Acres, FL 12071


Lighthouse Point Branch
2850 North Federal Highway Lighthouse Point, FL 12011


Venetian Isles Plaza Branch
3778 North Federal Highway Lighthouse Point, FL 12011


Live Oak Branch
201 Ohio Avenue South Live Oak, FL 12121


Longboat Key Branch
500 Bay Isle Road Longboat Key, FL 12115


Range Line Road Branch
1145 West State Road 434 Longwood, FL 12117


Longwood West Branch
2601 State Road 434 West Longwood, FL 12117


Longwood Florida Central Pkwy Branch
390 West State Road 434 Longwood, FL 12117


Van Dyke Commons Branch
17455 Dale Mabry Hwy N Lutz, FL 12057


Willow Bend Branch
22850 State Road 54 Lutz, FL 12101


Madeira Beach Branch
14805 Gulf Boulevard Madeira Beach, FL 12103


Madison Branch
302 South Horry Street Madison, FL 12079


Maitland Branch
105 North Maitland Avenue Maitland, FL 12095


Marathon Branch
5401 Overseas Highway Marathon, FL 12087


Marco Island Branch
614 Bald Eagle Drive Marco Island, FL 12021


Margate Branch
550 Main Boulevard (State Road 7) Margate, FL 12011


Peppertree Plaza Branch
5590 West Sample Road Margate, FL 12011


Cypress Avenue Branch
1050 Cypress Avenue Melbourne, FL 12009


Nasa Boulevard Branch
175 East Nasa Boulevard Melbourne, FL 12009


Wickham Road Branch
2453 N. Wickham Road Melbourne, FL 12009


Suntree Banking Center Branch
6370 North Wickham Road Melbourne, FL 12009


Melbourne Beach Branch
321 Ocean Avenue Melbourne Beach, FL 12009


Merritt Island Branch
15 East Merritt Island Causeway Merritt Island, FL 12009


Downtown Miami Branch
1 S. E. Third Avenue Miami, FL 12086


Hammocks Town Center Branch
10315 Hammocks Boulevard Miami, FL 12086


Suniland Branch
11205 South Dixie Highway Miami, FL 12086


Instore Bird Rd/115th Avenue Branch
11495 Bird Road Miami, FL 12086


Devonaire Branch
12570 S.W. 120th Street Miami, FL 12086


Instore Sw 130 Avenue Branch
13001 Southwest 112th Street Miami, FL 12086


Allapattah Branch
1313 N.W. 36th Street Miami, FL 12086


The Falls Branch
13595 South Dixie Highway Miami, FL 12086


Country Walk Plaza Branch
13701 S.W. 152nd Street Miami, FL 12086


West Tamiami Branch
13730 Southwest 8th Street Miami, FL 12086


Kendall Lakes South Branch
13780 S.W. 88th Street Miami, FL 12086


Kendall Lakes North Branch
13935 S.W. 88th Street Miami, FL 12086


Coral Way West Branch
14701 Sw 26th Street Miami, FL 12086


Museum Tower
150 West Flagler Street Miami, FL 12086


Bird Pointe Banking Center Branch
15141 Southwest 42nd Street Miami, FL 12027


Norland Branch
18350 N.W. Second Avenue Miami, FL 12086


Old Cutler Branch
20501 Old Cutler Road Miami, FL 12086


Little Havana Branch
2195 S.W. Eighth Street Miami, FL 12086


Brownsville Branch
2655 Northwest 54th Street Miami, FL 12086


International Park Branch
2680 Nw 107th Ave Miami, FL 12086


Galloway Road Branch
3025 Northwest 87th Avenue Miami, FL 12086


Central Plaza Branch
3899 Northwest Seventh Street Miami, FL 12086


Bird/Ludlam Branch
4020 Southwest 67th Avenue Miami, FL 12086


Bay Point Branch
5000 Biscayne Boulevard Miami, FL 12086


West Flagler Branch
5350 West Flagler Street Miami, FL 12086


Sunset Branch
6901 Southwest 117th Avenue Miami, FL 12086


Brickell Branch
701 Brickell Avenue Miami, FL 12086


Medley Branch
7400 N.W. 72nd Avenue Miami, FL 12086


Midway Branch
7760 West Flagler Street Miami, FL 12086


Instore Flagler Park Branch
8341 West Flagler Street Miami, FL 12086


Westchester Branch
8585 Coral Way Miami, FL 12086


Kendall Drive Banking Center Branch
8991 S.W. 107th Avenue Miami, FL 12086


Pinecrest Dadeland Branch
9101 South Dixie Highway Miami, FL 12086


Doral Plaza Branch
9705 N.W. 41st Street Miami, FL 12086


Instore Doral Park Branch
9755 Northwest 41st Street Miami, FL 12086


Airport Branch
Concourse B, 4th Floor, Miami Intl Airport Miami, FL 12086


Alton Road Branch
1414 Alton Road Miami Beach, FL 12086


Arthur Godfrey Branch
360 West 41st Street Miami Beach, FL 12086


Lincoln Road Mall Branch
401 Lincoln Road Miami Beach, FL 12086


North Beach Branch
7474 Collins Avenue Miami Beach, FL 12086


Washington Avenue Branch
930 Washington Avenue Miami Beach, FL 12086


Miami Lakes Branch
6625 Miami Lakes Drive East Miami Lakes, FL 12086


Miami Shores Branch
9190 Biscayne Boulevard Miami Shores, FL 12086


Shores Village Branch
9499 N.E. Second Avenue Miami Shores, FL 12086


Parkmore Branch
6204 Highway 90 West Milton, FL 12113


Instore Monarch Lakes
14375 Miramar Parkway Miramar, FL 12011


Fountains Of Miramar
15999 Sw 29th Street Miramar, FL 12011


Miramar Branch
7950 Miramar Parkway Miramar, FL 12011


Moore Haven Branch
515 Avenue I Moore Haven, FL 12043


Downtown Mount Dora Branch
163 West Fifth Avenue Mount Dora, FL 12069


Golden Triangle/Mount Dora Branch
3200 County Road 44b Mount Dora, FL 12069


Riverchase Branch
11120 Tamiami Trail North Naples, FL 12021


Moorings Park Branch
120 Moorings Park Drive Naples, FL 12021


Freedom Square Branch
12639 Tamiami Trail East Naples, FL 12021


Naples Shopping Center Branch
1901 Tamiami Trail North Naples, FL 12021


Pine Ridge Banking Center Branch
2412 Pine Ridge Road Naples, FL 12021


Lakewood Branch
4201 East Tamiami Trail Naples, FL 12021


Park Shore Branch
4501 North Tamiami Trail Naples, FL 12021


Kings Lake Square
4898 Davis Boulevard Naples, FL 12021


Golden Gate Branch
5101 Golden Gate Parkway Naples, FL 12021


The Strand Branch
5626 Tavilla Circle Naples, FL 12021


Instore Pine Ridge/Vineyards Dr Bran
5991 Pine Ridge Road Extension Naples, FL 12021


Berkshire Lakes Branch
7305 Radio Road Naples, FL 12021


5th Avenue South Branch
796 5th Avenue South Naples, FL 12021


Pavilion Branch
899 Vanderbilt Beach Road Naples, FL 12021


Neptune Beach Branch
301 Third Street Neptune Beach, FL 12031


Chelsea Branch
1452 Seven Springs Boulevard New Port Richey, FL 12101


Trouble Creek Branch
4526 U.S. Highway 19 New Port Richey, FL 12101


River Crossing Branch
5242 Little Road New Port Richey, FL 12101


Downtown Elfers Branch
5923 State Road 54 New Port Richey, FL 12101


New Port Richey Branch
6014 U.S. 19 New Port Richey, FL 12101


New Smyrna Beach West Branch
1880 State Road 44 New Smyrna Beach, FL 12127


Bluewater Bay Branch
4500 East Highway 20 Niceville, FL 12091


Niceville Branch
701 John Sims Parkway Niceville, FL 12091


Nokomis Village Branch
1120 North Tamiami Trail Nokomis, FL 12115


Del Tura Plaza Branch
18800 North Tamiami Trail North Fort Myers, FL 12071


North Fort Myers Branch
571 Pine Island Road North Fort Myers, FL 12071


North Biscayne Blvd Branch
11755 Biscayne Boulevard North Miami, FL 12086


West Dixie Branch
13450 West Dixie Highway North Miami, FL 12086


North Miami Branch
990 N.E. 125th Street North Miami, FL 12086


North Miami Beach Branch
1119 N.E. 163rd Street North Miami Beach, FL 12086


Skylake Branch
18201 N.E. 19th Avenue North Miami Beach, FL 12086


North Palm Beach
800 U.S. Highway 1 North Palm Beach, FL 12099


North Port Branch
14299 Tamiami Trail South North Port, FL 12115


Prospect Road Branch
150 N.E. 44th Street Oakland Park, FL 12011


East Oakland Park Branch
1601 East Oakland Park Boulevard Oakland Park, FL 12011


17th Street Branch
1120 S.E. 17th Street Ocala, FL 12083


Marion Oaks Branch
128 Marion Oaks Boulevard, Suite 105 Ocala, FL 12083


Rolling Greens Branch
1905 58th Avenue Ocala, FL 12083


Boulevard Branch
2326 East Silver Springs Boulevard Ocala, FL 12083


N.E. 35th Street Branch
2540 N.E. 35th Street Ocala, FL 12083


Paddock Park Branch
3120 S.W. 34th Avenue Ocala, FL 12083


Downtown Branch
35 S.E. First Avenue Ocala, FL 12083


West Highway 200 Branch
7975 S.W. State Road 200 Ocala, FL 12083


Ocoee Branch
10201 West Colonial Drive Ocoee, FL 12095


Main Okeechobee Branch
205 North Parrott Avenue Okeechobee, FL 12093


South Okeechobee Branch
3261 South U.S. Highway 441 Okeechobee, FL 12093


Four Towns Branch
2461 Enterprise Road Orange City, FL 12127


Orange Park Branch
29 Blanding Boulevard Orange Park, FL 12019


Fleming Island Branch
5000-75 Highway 17 Orange Park, FL 12019


Ridgecrest Branch
859 Blanding Boulevard Orange Park, FL 12019


Lake Nona Branch
10419 Narcoossee Road Orlando, FL 12095


Williamsburg Branch
10900 Orangewood Boulevard Orlando, FL 12095


Research Park Branch
11800 Research Parkway Orlando, FL 12095


Curry Ford Road Branch
1700 South Semoran Boulevard Orlando, FL 12095


South 441 Branch
2051 Central Florida Parkway Orlando, FL 12095


Central Park Branch
2293 Sand Lake Road Orlando, FL 12095


Instore Chickasaw/Curry Ford Rd Bran
2300 South Chickasaw Trail Orlando, FL 12095


Instore Hiawassee/West Point Blvd Bk
2435 South Hiawassee Road Orlando, FL 12095


Oak Ridge Road Branch
2560 West Oak Ridge Road Orlando, FL 12095


Conway Branch
2701 South Conway Road Orlando, FL 12095


South Orlando Branch
2893 South Orange Avenue Orlando, FL 12095


College Park Branch
2905 Edgewater Drive Orlando, FL 12095


Fashion Square Branch
3117 East Colonial Drive Orlando, FL 12095


Downtown Orlando Branch
390 North Orange Avenue Orlando, FL 12095


Hunter's Creek Branch
4048 Town Center Boulevard Orlando, FL 12095


South Orange Blossom Trail Branch
4640 South Orange Blossom Trail Orlando, FL 12095


Kirkman Branch
4725 Kirkman Road Orlando, FL 12095


Rio Pinar Branch
500 South Goldenrod Road Orlando, FL 12095


Hughes Square Branch
501 West Church Street Orlando, FL 12095


Pine Hills Branch
5381 West Colonial Drive Orlando, FL 12095


Rosemont Branch
5655 North Orange Blossom Trail Orlando, FL 12095


Pine Castle Branch
6003 Hansel Avenue Orlando, FL 12095


Westminster Towers Branch
70 West Lucerne Circle Orlando, FL 12095


Waterford Lakes Branch
700 South Alafaya Trail Orlando, FL 12095


Silver Star Branch
7105 Silver Star Road Orlando, FL 12095


Sand Lake Road Branch
7220 Sand Lake Road Orlando, FL 12095


Bay Hill Branch
7682 Dr. Phillips Boulevard Orlando, FL 12095


West Orlando Branch
800 John Young Parkway Orlando, FL 12095


Union Park Branch
9541 E. Colonial Drive Orlando, FL 12095


Ormond By The Sea Branch
1280 Ocean Shore Boulevard Ormond Beach, FL 12127


Ormond Towne Square Branch
1454 West Granada Boulevard Ormond Beach, FL 12127


Granada Avenue Branch
200 East Granada Boulevard Ormond Beach, FL 12127


The Trails Branch
299 North Nova Road Ormond Beach, FL 12127


Nova Road Branch
699 South Nova Road Ormond Beach, FL 12127


North Atlantic Avenue Branch
902 South Atlantic Avenue Ormond Beach, FL 12127


Mitchell Hammock Branch
1555 East Mitchell Hammock Road Oviedo, FL 12117


Oviedo Alafaya Branch
20 Alexandria Boulevard Oviedo, FL 12117


Winter Springs Boulevard Branch
2000 Winter Springs Boulevard Oviedo, FL 12117


Palatka Branch
620 South Highway 19 Palatka, FL 12107


Malabar Branch
1151 Malabar Road, N.E. Palm Bay, FL 12009


Palm Bay Branch
4710 Babcock Street, N.E. Palm Bay, FL 12009


Palm Beach Branch
140 North County Road Palm Beach, FL 12099


Palm Beach Gardens Branch
2525 Pga Boulevard Palm Beach Gardens, FL 12099


Instore I-95/Northlake Blvd Branch
4200 Northlake Boulevard Palm Beach Gardens, FL 12099


Gardens Shop Branch
4501 P.G.a. Boulevard Palm Beach Gardens, FL 12099


Ballenisles Branch
5560 Pga Boulevard Palm Beach Gardens, FL 12099


Mirasol
6261 Pga Blvd Palm Beach Gardens, FL 12099


Martin Downs Boulevard Branch
3270 S.W. Martin Downs Boulevard Palm City, FL 12085


Old Kings Road Branch
2 Old Kings Road North Palm Coast, FL 12035


Belle Terre Branch
4850 Belle Terre Parkway Palm Coast, FL 12035


Tarpon Woods Branch
2551 Tarpon Woods Boulevard Palm Harbor, FL 12103


Palm Harbor Branch
33451 U.S. Highway 19 North Palm Harbor, FL 12103


Lake St. George Branch
4000 Lake St. George Drive Palm Harbor, FL 12103


Palm Springs Branch
1758 South Congress Avenue Palm Springs, FL 12099


Downtown Palmetto Branch
700 8th Avenue West Palmetto, FL 12081


Patrick Afb Branch
Bldg. 1364, South Patrick Drive Patrick Afb, FL 12009


Pines & Palm Branch
10050 Pines Boulevard Pembroke Pines, FL 12011


Pembroke Lakes Branch
11150 Taft Street Pembroke Pines, FL 12011


South Flamingo Branch
12261 Pembroke Road Pembroke Pines, FL 12011


West Pines Boulevard
16350 Pines Boulevard Pembroke Pines, FL 12011


Silver Lakes Branch
18291 Pines Boulevard Pembroke Pines, FL 12011


Flamingo Road Branch
80 South Flamingo Road Pembroke Pines, FL 12011


Pembroke Pines Branch
8398 Pines Boulevard Pembroke Pines, FL 12011


Garden Street Branch
100 West Garden Street Pensacola, FL 12033


Perdido Bay Branch
13039 Sorento Road Pensacola, FL 12033


Warrington Road Branch
206 New Warrington Road Pensacola, FL 12033


Ensley Branch
31 East Nine Mile Road Pensacola, FL 12033


Cordova Branch
5041 Bayou Boulevard Pensacola, FL 12033


North Pensacola
6727 North Davis Highway Pensacola, FL 12033


Perrine Branch
18341 South Dixie Highway Perrine, FL 12086


66th Street/102nd Avenue Branch
10200 66th Street North Pinellas Park, FL 12103


Pinellas Park Branch
5100 Park Boulevard Pinellas Park, FL 12103


Plant City Branch
2309 Jim Redman Parkway Plant City, FL 12057


Sawgrass Branch
12381 West Sunrise Boulevard Plantation, FL 12011


University Drive Branch
1333 South University Drive Plantation, FL 12011


Plantation Branch
7001 West Broward Boulevard Plantation, FL 12011


Jacaranda Banking Center Branch
8181 West Broward Boulevard Plantation, FL 12011


West Sunrise Branch
8190 West Sunrise Boulevard Plantation, FL 12011


Mcnab Road Branch
100 East Mcnab Road Pompano Beach, FL 12011


South Oceanside Branch
101 South Ocean Boulevard Pompano Beach, FL 12011


Palm Aire Branch
21 South Pompano Parkway Pompano Beach, FL 12011


Pompano Beach Branch
2335 East Atlantic Boulevard Pompano Beach, FL 12011


Crystal Lake Branch
900 West Sample Road Pompano Beach, FL 12011


Ponte Vedra Branch
631 State Road A1a Ponte Vedra Beach, FL 12109


Murdock Branch
1930 Tamiami Trail Port Charlotte, FL 12015


Port Charlotte Branch
21175 Olean Boulevard Port Charlotte, FL 12015


Charlotte Harbor Branch
23081 Harborview Road Port Charlotte, FL 12015


Westport Branch
1670 Taylor Road Port Orange, FL 12127


South Nova Road Branch
3809 South Nova Road Port Orange, FL 12127


Ridge Road Branch
6514 Ridge Road Port Richey, FL 12101


Embassy Branch
8338 Embassy Boulevard Port Richey, FL 12101


Instore Port St. Lucie/Darwin Branch
3235 Southwest Port St. Lucie Boulevard Port Saint Lucie, FL 12111


East Port Plaza Branch
9110 South U.S. Highway 1 Port Saint Lucie, FL 12111


Saint Lucie West Banking Ctr Branch
1601 Northwest Saint Lucie West Boulevard Port St. Lucie, FL 12111


Midport Road Branch
2300 Southeast Midport Road Port St. Lucie, FL 12111


Prima Vista Branch
900 East Prima Vista Boulevard Port St. Lucie, FL 12111


Burnt Store Branch
100 Madrid Boulevard Punta Gorda, FL 12015


Punta Gorda Branch
126 East Olympia Avenue Punta Gorda, FL 12015


Quincy Branch
1321 West Jefferson Street Quincy, FL 12039


Big Bend Branch
13180 Us Highway 301 South Riverview, FL 12057


Riverview Branch
9810 U.S. Highway 301 South Riverview, FL 12057


Riviera Beach Branch
2001 Broadway Riviera Beach, FL 12099


Royal Palm Branch
11601 Okeechobee Road Royal Palm Beach, FL 12099


Ponce De Leon Mall Branch
2135 U.S Highway 1 South Saint Augustine, FL 12109


Plaza Office Branch
3750 A1a South Saint Augustine, FL 12109


Moultrie Square Branch
4305 U.S. Highway 1 South Saint Augustine, FL 12109


Northeast Saint Petersburg Branch
3811 4th Street North Saint Petersburg, FL 12103


Ninth And Gandy Branch
9700 9th Street North Saint Petersburg, FL 12103


Bank Of America Tower Branch
One Progress Plaza Saint Petersburg, FL 12103


Sanford Branch
3094 Orlando Drive Sanford, FL 12117


Lake Forest Banking Branch
5320 West State Road 46 Sanford, FL 12117


Sanibel Main Branch
2450 Periwinkle Way Sanibel, FL 12071


Siesta Key Branch
1237 Stickney Point Road Sarasota, FL 12115


Washington Boulevard Branch
1290 North Washington Boulevard Sarasota, FL 12115


Downtown Sarasota Branch
1605 Main Street, Suite 100 Sarasota, FL 12115


St. Armands Branch
30 North Boulevard Of Presidents Sarasota, FL 12115


Fruitville Road Branch
3175 Fruitville Road Sarasota, FL 12115


Southgate Plaza Branch
3303 South Tamiami Trail Sarasota, FL 12115


Beneva Village Branch
3450 Clark Road Sarasota, FL 12115


Village Plaza Branch
3600 Bee Ridge Road Sarasota, FL 12115


Center Gate Branch
3930 Cattlemen Road Sarasota, FL 12115


Siesta Village Branch
5140 Ocean Boulevard Sarasota, FL 12115


Sarasota Crossings Branch
5457 Fruitville Road Sarasota, FL 12115


Palmer Crossing Bkg Ctr Branch
5470 Clark Road Sarasota, FL 12115


Gulf Gate Branch
6525 South Tamiami Trail Sarasota, FL 12115


Sarasota Square Branch
8111 South Beneva Road Sarasota, FL 12115


University Parkway Branch
8498 North Lockwood Ridge Road Sarasota, FL 12081


Sarasota Commons Branch
935 North Beneva Road Sarasota, FL 12115


Satellite Beach Branch
100 Scorpion Court Satellite Beach, FL 12009


Roseland Branch
13555 U.S. Highway 1 Sebastian, FL 12061


Chesser's Gap Branch
710 South Fleming Street Sebastian, FL 12061


South Ridgewood Branch
231 South Ridgewood Drive Sebring, FL 12055


Sebring Square Branch
2715 Fairmount Drive Sebring, FL 12055


Southgate Sebring Branch
2838 U.S. 27 South Sebring, FL 12055


Seffner Office
816 Dr. Martin Luther King Blvd. West Seffner, FL 12057


Instore Starkey/Bryan Dairy Branch
10801 Starkey Road, Suite 200 Seminole, FL 12103


South Seminole Branch
6801 Seminole Boulevard Seminole, FL 12103


Lake Seminole Square Branch
8333 Seminole Boulevard Seminole, FL 12103


Shalimar Branch
1246 Eglin Parkway Shalimar, FL 12091


Singer Island Branch
1217 North Ocean Drive Singer Island, FL 12099


South Pasadena Branch
985 Pasadena Avenue South South Pasadena, FL 12103


Mariner Village Branch
11050 Spring Hill Drive Spring Hill, FL 12053


Spring Hill Banking Center Branch
6023 Spring Hill Drive Spring Hill, FL 12053


Mariner Square Branch
7184 Mariner Boulevard Spring Hill, FL 12053


Forest Oaks Branch
7347 Forest Oaks Boulevard Spring Hill, FL 12053


St. Pete Beach Branch
7500 Gulf Boulevard St Pete Beach, FL 12103


Anastasia Island Branch
500 Anastasia Boulevard St. Augustine, FL 12109


St Augustine Office
60 Cathedral Place St. Augustine, FL 12109


St. Cloud Branch
4300 West 13th Street St. Cloud, FL 12097


Meadowlawn Branch
1135 62nd Avenue, North St. Petersburg, FL 12103


Tyrone Branch
1300 66th Street, North St. Petersburg, FL 12103


Madrid Square Branch
2145 34th Street, North St. Petersburg, FL 12103


South St. Petersburg Branch
2800 - 54th Avenue South St. Petersburg, FL 12103


34th Street South Branch
3637 - 34th Street South St. Petersburg, FL 12103


Northwest Branch
5701 38th Avenue North St. Petersburg, FL 12103


West St. Petersburg Branch
6201 Central Avenue St. Petersburg, FL 12103


Five Towns Branch
8181 54th Avenue North St. Petersburg, FL 12103


Stuart Banking Center Branch
2320 S.E. Ocean Boulevard Stuart, FL 12085


Instore U.S. 1/Indian St Branch
3304 Southeast Federal Highway Stuart, FL 12085


Sewalls Point Branch
3727 East Ocean Boulevard, Ste. 102 Stuart, FL 12085


Cove Road Branch
5805 S.E. Federal Highway Stuart, FL 12085


Stuart Branch
819 South Federal Highway Stuart, FL 12099


Stuart Plaza Branch
900 S. Federal Highway Stuart, FL 12085


Sun City Center Branch
902 Pebble Beach Boulevard North Sun City Center, FL 12057


Sunny Isles
125 178th Street Sunny Isles Beach, FL 12086


Sunrise Branch
7770 West Oakland Park Boulevard Sunrise, FL 12011


West Oakland Branch
8800 West Oakland Park Boulevard Sunrise, FL 12011


Nob Hill Branch
9990 West Oakland Park Boulevard Sunrise, FL 12011


North Tallahassee
2262 North Monroe Street Tallahassee, FL 12073


Apalachee Parkway Branch
2930 Apalachee Parkway Tallahassee, FL 12073


Mahan Branch
3003 Mahan Drive Tallahassee, FL 12073


Downtown Tallahassee Branch
315 South Calhoun Street Tallahassee, FL 12073


Thomasville Road Branch
3430 Thomasville Road Tallahassee, FL 12073


Killearn Lakes
5676 Thomasville Road Tallahassee, FL 12073


Stadium Branch
803 Lake Bradford Road Tallahassee, FL 12073


West Commercial Branch
3833 West Commercial Boulevard Tamarac, FL 12011


Rock Island Rd. Banking Ctr Branch
5900 Rock Island Road Tamarac, FL 12011


Mcnab & University Banking Ctr Branc
7001 North University Drive Tamarac, FL 12011


Tamarac Branch
8200 North University Drive Tamarac, FL 12011


Westshore Mall Banking Ctr Branch
100 North Westshore Boulevard Tampa, FL 12057


Sabal Park Branch
10002 Princess Palm Avenue Tampa, FL 12057


North Florida Avenue Branch
10050 North Florida Avenue Tampa, FL 12057


Downtown Tampa Branch
101 East Kennedy Boulevard Tampa, FL 12057


Carrollwood Office
10301 North Dale Mabry Highway Tampa, FL 12057


Palma Ceia Branch
1201 South Dale Mabry Hwy Tampa, FL 12057


Hampton Lakes Branch
13080 Race Track Road Tampa, FL 12057


Racetrack Road Tampa Banking Center
13829 West Hillsborough Tampa, FL 12057


Carrollwood Village Branch
14002 North Dale Mabry Highway Tampa, FL 12057


Tampa Palms Branch
15301 Amberly Drive Tampa, FL 12057


Northdale Court Office
16002 North Dale Mabry Highway Tampa, FL 12057


East Fowler Branch
1720 E. Fowler Avenue Tampa, FL 12057


New Tampa Branch
19002 Bruce B. Downs Boulevard Unit 19 Tampa, FL 12057


East Hillsborough Branch
1933 East Hillsborough Avenue Tampa, FL 12057


Hyde Park Branch
249 South Hyde Park Avenue Tampa, FL 12057


Florida & Bearss
250 East Bearss Avenue Tampa, FL 12057


West Tampa Branch
2700 W. Dr. Martin Luther King Jr. Blvd Tampa, FL 12057


Kennedy/Macdil Branch
3030 West Kennedy Boulevard Tampa, FL 12057


Davis Island Branch
337 East Davis Boulevard Tampa, FL 12057


Hillsborough And Himes Branch
3439 West Hillsborough Avenue Tampa, FL 12057


South Manhattan Branch
4825 South Manhattan Avenue Tampa, FL 12057


Gunn Highway Branch
5636 Gunn Highway Tampa, FL 12057


Citrus Park
7805 Gunn Highway Tampa, FL 12057


Town & Country Branch
8302 West Hillsborough Avenue Tampa, FL 12057


Hanley Road
8320 Hanley Road Tampa, FL 12057


Tarpon Springs Branch
116 South Pinellas Avenue Tarpon Springs, FL 12103


Tarpon Mall Branch
910 East Tarpon Avenue Tarpon Springs, FL 12103


Tavares Branch
600 West Burleigh Boulevard Tavares, FL 12069


Tavernier Branch
92200 Overseas Highway Tavernier, FL 12087


Temple Terrace Drive Thru Branch
10903 North 56th Street Temple Terrace, FL 12057


Temple Terrace Branch
9385 North 56th Street Temple Terrace, FL 12057


Tequesta Branch
150 Tequesta Drive, Ste. 100 Tequesta, FL 12099


Titusville Branch
1108 South Washington Avenue Titusville, FL 12009


Barna Branch
2600 Barna Avenue Titusville, FL 12009


Treasure Island Branch
175 Treasure Island Causeway Treasure Island, FL 12103


Trinity At Mitchell Ranch Branch
2918 Little Road Trinity, FL 12101


Umatilla Branch
700 North Central Avenue Umatilla, FL 12069


Bloomingdale Branch
3414 Bell Shoals Road Valrico, FL 12057


Lithia Crossing Branch
3467 Lithia Pinecrest Road Valrico, FL 12057


Venice Pines Branch
1270 Jacaranda Boulevard Venice, FL 12115


South Venice Branch
2180 South Tamiami Trail Venice, FL 12115


Venice Branch
304 West Venice Avenue Venice, FL 12115


South Beach Office
1500 South Highway A1a Vero Beach, FL 12061


Kings Highway Branch
5780 - 20th Street Vero Beach, FL 12061


Miracle Mile
601 21st Street Vero Beach, FL 12061


Village Shops Branch
6300 North Highway A1a Vero Beach, FL 12061


Weeki Wachee Branch
9223 Cortez Boulevard Weeki Wachee, FL 12053


Wellington Green Branch
10690 Forest Hill Boulevard Wellington, FL 12099


Groves At Royal Palm Banking Center
131 South State Road 7 Wellington, FL 12099


Wellington Courtyard Branch
13850 Wellington Trace Wellington, FL 12099


Shoppes At New Tampa Branch
1910 Bruce B. Downs Blvd Wesley Chapel, FL 12101


Lake Ida Road Banking Center Branch
13700 Jog Road West Delray Beach, FL 12099


West Melbourne
3003 West New Haven Avenue West Melbourne, FL 12009


Pine Trail Branch
1827 North Military Trail West Palm Beach, FL 12099


Palm Beach Lakes Branch
1974 Palm Beach Lakes Boulevard West Palm Beach, FL 12099


Crosstown Plaza Branch
2881 North Military Trail West Palm Beach, FL 12099


South Wind Plaza Branch
5337 North Military Trail West Palm Beach, FL 12099


Bank Of America Center Branch
625 North Flagler Drive West Palm Beach, FL 12099


Okeechobee & Jog
6830 Okeechobee Blvd West Palm Beach, FL 12099


South Dixie
7320 South Dixie Highway West Palm Beach, FL 12099


Weston Branch
1381 Weston Road Weston, FL 12011


Weston Town Center Branch
1795 Bonaventure Blvd. Weston, FL 12011


Instore Lakes Plaza
294 Indian Trace Road Weston, FL 12011


Weston Commons Branch
4513 Weston Road Weston, FL 12011


Garden Grove Branch
3010 Cypress Gardens Road Winter Haven, FL 12105


Winter Haven Branch Office
510 West Central Avenue Winter Haven, FL 12105


South Winter Haven Branch
888 Cypress Gardens Boulevard Winter Haven, FL 12105


Winter Park Towers Branch
1111 South Lakemont Avenue Winter Park, FL 12095


Aloma Branch
1905 Aloma Avenue Winter Park, FL 12095


Downtown Winter Park Branch
250 Park Avenue South Winter Park, FL 12095


Winter Park 17-92 Branch
750 S. Orlando Avenue Winter Park, FL 12095


Goldenrod Branch
7605 Aloma Avenue Winter Park, FL 12095


Winter Springs Branch
110 East State Road 434 Winter Springs, FL 12117


Tuscawilla Branch
1445 Tuscawilla Road Winter Springs, FL 12117


Zephyrhills Branch
5632 Gall Boulevard Zephyrhills, FL 12101

Bank of America Online Banking

Bank of America main office is located in Charlotte, North Carolina

It's FDIC Certificate is # 3510

FDIC Supervisory Region: Atlanta

Federal Reserve District: Atlanta

FDIC Geographic Region: Atlanta - Alabama, California, Florida, Georgia, North Carolina, South Carolina, Virginia, West Virginia Chartering Agency: OCC - State and Federal Comptroller of the Currency

OCC Charter Number: 13044

OTS Docket Number (assigned by federal housing finance board - FHFB): N/A

Core Based Statistical Area (CBSA): Charlotte-Gastonia-Concord, NC-SC (CBSA#16740)

Consolidated Metropolitan Statistical Area (CMSA): N/A

Combined Statistical Area (CSA): Charlotte-Gastonia-Salisbury, NC-SC - CSA#172

Metropolitan Statistical Area (MSA): Charlotte-Gastonia-Rock Hill, NC-SC - MSA#1520

Office of the Comptroller: Southeast - Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Virginia, West Virginia

Office of Thrift Supervision (OTS) Region: Southeast

To find a Bank of America location near you click on
http://www.bankswd.com/north-carolina/charlotte-banks/bank-of-america_3510/locations-by-state-city.html

That is the call today by Senator Levin.
As if the banking industry needs anything else to be jittery about.
Are these folks up in DC that stupid?

News Link

Federal regulators should consider revoking the US banking license of the giant Swiss Bank UBS because of its role in helping wealthy Americans evade billions of dollars in taxes, Sen. Carl Levin (D-MI) told ABC News today.

"I don't think that any bank that goes to the extent that UBS has gone through to avoid doing what their agreements with the United States require them to do, should be allowed to continue to do business unless they clean up their act," Levin said.

UBS's role in arranging "undeclared" accounts for an estimated 19,000 US citizens was one focus of a hearing by the Senate Permanent Subcommittee on Investigations, chaired by Levin today. The role of the LGT bank, owned by the royal family of Liechtenstein, was also investigated.

Levin said UBS practices resulted in its U.S. clients maintaining undeclared Swiss accounts that collectively held "$18 billion dollars in assets that have been kept secret from the the IRS."

"They wanted secrecy. UBS gave them secrecy," Levin said.

Levin revealed a list of "secrecy tricks" he said the UBS bankers used to carry out their tax haven schemes.

The list includes code names for clients, using untraceable pay phones, encrypted computers, fake trusts, counter-surveillance training, and shredding files.

Levin said UBS hid behind Swiss bank secrecy laws to hide its misconduct, and offered services in the US it was not licensed to provide.

UBS is the world's largest private bank catering to wealthy individuals.

One of its bankers, Bradley Birkenfeld, has already pleaded guilty in the US to tax evasion and fraud and is cooperating with federal prosecutors in Miami.

In a plea agreement, Birkenfeld detailed how he said he had been trained by UBS to help wealthy Americans evade taxes.

In one case, Birkenfeld told prosecutors he purchased diamonds using a US client's Swiss bank account and smuggled the diamonds into the United States in a toothpaste tube.

He called for passage of new laws to end tax haven abuses.

"Tax havens," said Levin, "are engaged in economic warfare against the United States and honest, hardworking American taxpayers."

Maybe if you stopped taxing the living shit out of peoples accounts they would keep the money here and increase the savings amounts in the US!? In turn increasing deposits in US banks, increasing the availably capital banks need to stay liquid.

Naa that would be crazy talk, they need to tax you when you make the money, tax you when you pay the govt for the money, tax you when you save the money, tax you when you invest the money, tax you for living on your property and tax you when you die so that your heirs can pay more taxes on that as well.

Moron! Fix the taxing system not shut down a bank!

Have stocks finally hit bottom or is there more room to fall in the coming weeks and months? (Back to story)

Tampa, FL - The leadership of the Southern Party of Florida has put up another red flag due to the plummeting economy and has issued a general "heads up" warning to all Southron consumers to be weary of your bank / credit union. This week California-based IndyMac crashed leaving millions of customers in the dark and without their hard earned money for the better part of a week until the FDIC stepped in for the first time since the Great Depression to take over IndyMac until its clients can find bank services elsewhere. Read the rest of this entry »