The Problem:
I care about privacy and security. I live in the U.S.A. Where should I do my personal banking?<p>The idea:
Start a credit union with a focus on privacy and security.
Build the credit union as a template for other credit unions to follow. Open source as much as possible.
Recruit smart people like HN readers to become members and give feedback on what we do to make it better.
Require an EFF membership to join the credit union.<p>That's the start. What do y'all think? What questions do you have?
Sell me on why I would use your credit union.<p>I don't know why I should be concerned about my bank or credit union and use your credit union.<p>Concerns about your idea:<p>- Banking laws / regulations are very detailed in the US don't allow for much anonymity for traditional consumer banking accounts. (there are some legal ways to do that aren't traditional consumer banking, it but it is hardly fool proof and legally complex and I'm not sure about rolling that out at scale)<p>- Once you introduce a credit / debit card the privacy may be out the window as 3rd parties are involved.<p>- People might simply not care / will be a hard sell to get them to understand / care.