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separated privacy abusing banks that have been "blessed" by ethics orgs from privacy-respecting banks endorsed as ethical

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cyberMonk 2021-01-27 12:54:45 -05:00
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us_banks.md
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## Notorious unethical banks
| ***financial institution*** | ***political party*** | ***ALEC*** | ***CISPA*** | ***drug testing*** | ***finances private prisons*** | ***Tor-hostile*** | ***environmental abuses*** | ***other ethical problems*** |
|--|--|--|--|--|--|--|--|--|
| Bank of America | 🐘 | ~~👌~~ (dropped) | 🚨 | 🔎 |🚓 ([will stop](https://www.reddit.com/r/news/comments/c5vlsg/bank_of_america_to_stop_financing_operators_of/)) | 👁 (& [VPN-hostile](https://www.reddit.com/r/BankOfAmerica/comments/c2susn/vpn_issues/)) | [fracking](https://www.theguardian.com/environment/2019/oct/13/top-investment-banks-lending-billions-extract-fossil-fuels), [fossil fuel](https://www.ran.org/bankingonclimatechange2019/#data-panel), [extreme fossil fuel](https://www.openinvest.co/blog/banks-funding-fossil-fuels/), [Atlantic Coast Pipeline](http://priceofoil.org/2018/04/18/bank-of-america-leads-finance-for-atlantic-coast-pipeline/), [Dakota Access Pipeline](https://www.huffpost.com/entry/bank-of-america-re100_n_57e157bce4b0071a6e09a217), [ultra-deepwater oil & gas projects](https://www.theguardian.com/environment/2019/oct/13/top-investment-banks-lending-billions-extract-fossil-fuels), [Trans Mountain Pipeline Expansion](https://www.ran.org/the-understory/5_things_you_need_to_know_about_the_trans_mountain_pipeline/), [Arctic National Wildlife Refuge](https://www.commondreams.org/views/2020/09/21/why-bank-america-still-open-funding-destruction-our-homelands-arctic) | [politically motivated denial](https://www.telegraph.co.uk/news/worldnews/wikileaks/8211768/WikiLeaks-Bank-of-America-halts-all-transactions-to-whistleblower-site.html) of fund transfers; often named "most hated bank" in consumer feedback studies; [xenophobic policy](https://www.thenation.com/article/why-is-bank-of-america-asking-clients-about-their-citizenship/) and [hostile](https://thehill.com/opinion/immigration/401032-banks-are-standing-on-the-wrong-side-of-history-with-trump) toward immigrants; [shamed](https://github.com/dumb-password-rules/dumb-password-rules#bank-of-america) for dumb password rules |
| Bank of America | 🐘 | ~~👌~~ (dropped) | 🚨 | 🔎 |🚓 ([will stop](https://www.reddit.com/r/news/comments/c5vlsg/bank_of_america_to_stop_financing_operators_of/)) | 👁 (& [VPN-hostile](https://www.reddit.com/r/BankOfAmerica/comments/c2susn/vpn_issues/)) | [fracking](https://www.theguardian.com/environment/2019/oct/13/top-investment-banks-lending-billions-extract-fossil-fuels), [fossil fuel](https://www.ran.org/bankingonclimatechange2019/#data-panel), [extreme fossil fuel](https://www.openinvest.co/blog/banks-funding-fossil-fuels/), [Atlantic Coast Pipeline](http://priceofoil.org/2018/04/18/bank-of-america-leads-finance-for-atlantic-coast-pipeline/), [Dakota Access Pipeline](https://www.huffpost.com/entry/bank-of-america-re100_n_57e157bce4b0071a6e09a217), [ultra-deepwater oil & gas projects](https://www.theguardian.com/environment/2019/oct/13/top-investment-banks-lending-billions-extract-fossil-fuels), [Trans Mountain Pipeline Expansion](https://www.ran.org/the-understory/5_things_you_need_to_know_about_the_trans_mountain_pipeline/), [drilling in Arctic National Wildlife Refuge](https://www.commondreams.org/views/2020/09/21/why-bank-america-still-open-funding-destruction-our-homelands-arctic) | [politically motivated denial](https://www.telegraph.co.uk/news/worldnews/wikileaks/8211768/WikiLeaks-Bank-of-America-halts-all-transactions-to-whistleblower-site.html) of fund transfers; often named "most hated bank" in consumer feedback studies; [xenophobic policy](https://www.thenation.com/article/why-is-bank-of-america-asking-clients-about-their-citizenship/) and [hostile](https://thehill.com/opinion/immigration/401032-banks-are-standing-on-the-wrong-side-of-history-with-trump) toward immigrants; [shamed](https://github.com/dumb-password-rules/dumb-password-rules#bank-of-america) for dumb password rules |
| Capital One | 🐘 || 🚨 ||| 👁 || sponsors Fox News; spent $20 million on Facebook ads (thus feeding a privacy abuser); uses privacy-abusing Amazon AWS which lead to [exfiltration of 100M customer records](https://edition.cnn.com/2019/07/29/business/capital-one-data-breach/index.html); [shamed](https://github.com/dumb-password-rules/dumb-password-rules#capital-one) for dumb password rules |
| Charles Schwab | 🐘 || 🚨 | 🔎 || 👁 || outsources banking operations to PNC Bank |
| Citibank | 🐘 || 🚨 | 🔎 ||| [fossil fuel](https://www.ran.org/bankingonclimatechange2019/#data-panel), [extreme fossil fuel](https://www.openinvest.co/blog/banks-funding-fossil-fuels/), [ultra-deepwater oil & gas projects](https://www.theguardian.com/environment/2019/oct/13/top-investment-banks-lending-billions-extract-fossil-fuels), [Trans Mountain Pipeline Expansion](https://www.ran.org/the-understory/5_things_you_need_to_know_about_the_trans_mountain_pipeline/) | [member of Better Than Cash Alliance](https://www.reddit.com/r/personalfinance_uc/comments/cyeg13/war_on_cash_visa_offered_10k_to_merchants_who/) thus fights to remove the cash payment option; Citi [blocked insulin](https://orinocotribune.com/citibank-blocks-funds-for-insulin-more-than-450000-venezuelans-affected) to 450,000 Venezuelans; Citi [blocks account holder access to money](https://www.reddit.com/r/personalfinance/comments/cwknyl/issue_with_citibank_bank_account_10k_put_on_hold/) if Citibank doesn't like your address; [shamed](https://github.com/dumb-password-rules/dumb-password-rules#citi) for dumb password rules|
@ -26,17 +28,26 @@
More metrics: to see where these banks stand on gun issues, see https://isyourbankloaded.org.
## Who's ethical?
## Unethical banks masquerading as ethical banks
I've not vetted this list myself but it's a start:
These banks have managed to obtain endorsement from ethics-focused
organizations, but they either block Tor users or they subject all
their customers to the privacy and netneutrality abuses of CloudFlare:
| ***Financial institution*** | ***Values-based network*** | ***Blocks Tor*** | ***CloudFlared*** | ***Locations*** |
|--|--|--|--|--|
| [Amalgamated Bank](https://www.amalgamatedbank.com/) | B Corp, GABV| 👁 || New York, Washington, D.C.|
| [Aspiration](https://www.aspiration.com/) | B Corp | 👁 || N/A (online only) |
| [Beneficial State Bank](https://www.beneficialstatebank.com/) | B Corp, GABV, CDFI || 👁 | California, Oregon, Washington|
| [First Green Bank](https://www.firstgreenbank.com/) | B Corp, GABV || 👁 | Florida|
## Who is relatively ethical?
I've not fully vetted this list myself but it's a start:
| ***Financial institution*** | ***Values-based network*** | ***Locations*** |
|--|--|--|
| [Amalgamated Bank](https://www.amalgamatedbank.com/) | B Corp, GABV 👁 | New York, Washington, D.C.|
| [Aspiration](https://www.aspiration.com/) | B Corp 👁 | N/A (online only) |
| [Beneficial State Bank](https://www.beneficialstatebank.com/) | B Corp, GABV, CDFI 👁 | California, Oregon, Washington|
| [City First Bank of DC](https://www.cityfirstbank.com/) | B Corp, GABV, CDFI | Washington, D.C.|
| [First Green Bank](https://www.firstgreenbank.com/) | B Corp, GABV | Florida|
| [Mascoma Savings Bank](http://www.mascomabank.com/) | B Corp | New Hampshire, Vermont|
| [Missoula Federal Credit Union](https://missoulafcu.org/) | GABV, CDFI | Montana|
| [New Resource Bank](https://newresourcebank.com/) | B Corp, GABV | California|
@ -46,5 +57,3 @@ I've not vetted this list myself but it's a start:
| [Verity Credit Union](https://www.veritycu.com/) | GABV | Washington|
| [VCC Bank](http://www.vacommunitycapital.org/ways-to-invest/products/) | B Corp, CDFI | Virginia|
| [VSECU (Vermont State Employees Credit Union)](https://www.vsecu.com/) | GABV | Vermont|
(👁) Caveat on Aspiration and Amalgamated Bank: they block Tor, which I consider to undermine privacy. Beneficial State Bank sometimes proxies through CloudFlare and thus puts a privacy abuser in the loop.