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CUSTOMERS GET A GOOD DEAL IN BANKS' GAME OF CARD

Banks are trying harder than they have in years to put their plastic in your pocket.A variety of factors have combined to make bank credit cards a very profitable business these days, and the competition among banks to recruit new batches of credit-card customers is heating up.For consumers, this means not only that cards are easier to get but also that shopping around for a card can result in significant savings.

Banks Charging $800 Million for Help to Mexico Major banks here and abroad, by charging premium interest rates and stiff special fees, have extracted a bonus of more than $800 million from Mexico as the price of maintaining their lending relationships with that hard-pressed debtor country.Similar fees and extra interest are being charged by the banks to other countries as their debts are rolled over in cooperation with emergency programs financed by the IMF.

Suit Details Allegations of Penn Bank Wrongdoing A Michigan bank that participated in more than $121 million worth of Penn Square Bank-generated energy loans has asked a federal judge to block an upcoming payout by federal liquidators of ""the vast majority of all the remaining recoverable assets of (Penn Square Bank),'' to its many claimants.

Harris Bank Seen as Target Of Canadians Bank of Montreal, Canada's third-largest bank, reportedly is preparing to make a major move into the United States market by taking over the third-biggest bank in Chicago.A spokesman for Harris Bankcorp Inc. confirmed in Chicago that bank officials have had "preliminary discussions with a major international bank concerning the acquisition of Harris Bankcorp."

DEPOSITS UP AT FOREIGN BANKS, AS MORE LATIN CAPITAL FLOWS HERE Foreign bank agencies in Florida have significantly increased their deposits in the first six months of 1983, indicating a stepped-up flow of Latin American money here, state banking authorities say.Wilbur Boscom, head of the state's Bureau of International Banking, said deposits in Florida's 31 foreign bank agencies increased from $885 million in Dec., 1982, to $1.2 billion in June, 1983.

CASHSTREAM NINETEEN REGIONAL BANKS JOIN MELLON'S AUTOMATIC-TELLER-MACHINE SYSTEM Nineteen banks in eastern Pennsylvania, New Jersey and Delaware, including Girard, Provident National, First Pennsylvania and Continental in Philadelphia, have joined Cashstream, Mellon Bank's large network of automated-teller machines (ATM), the banks announced yesterday.With the additions to Cashstream, a customer of any of the 92 member institutions will be able to use a plastic card to withdraw money, check an account balance or transfer money among accounts at any.

THERE ARE NOW 43 FEWER STATE BANKS, BUT MORE OFFICES While Florida bank deposits and branches increased in the last year, the number of banks shrank by 43 because of mergers and consolidations."The hottest, fastest-growing area in terms of deposit growth is Miami," said John Milstead, executive vice president of the Florida Bankers Association. "Miami has outstripped all other areas in terms of percentage and new dollar growth.

BANKS CUT CLEAR TIME FOR CHECKS - CUSTOMER ANGUISH FORCES NEW POLICY Some Philadelphia banks have moved to reduce the time they take to clear checks and make funds available to depositors. Others are reassessing their check-clearing policies.The actions come at a time when financial institutions across the nation are facing increasing pressure from consumer advocates and politicians to reduce the waiting period for customers to gain access to funds from checks deposited in their accounts.

FLORIDA BANKS SHINE IN INTERSTATE LIGHT Gulfstream Banks was one of those little gems of the money business in Florida.Its president called it a banking "boutique" that had found a profitable niche among much bigger institutions operating in and around its back yard in Palm Beach and Broward counties. Gulfstream looked good to some well-heeled bankers in North Carolina, too. They were willing to pay a tidy premium price to buy it last year.

Penn Bank Was Victim Of Oil Boom It Created On May 13, 1982, a national bank examiner named Stephen Plunk made a telephone call to his boss in Dallas.There were problems, he told his boss, real problems in the little shopping center bank he was examining. Plunk said it was too early to tell how severe the situation was, but things looked very, very bad.Fifty-three days and a lot of anxious moments later, the decision was made in Washington to close that shopping center institution, Penn Square Bank.

COMMERCIAL BANKS MUST MAKE PUBLIC LOAN LOSSES Commercial banks, starting Thursday, will be turning over to federal supervisors information on the bad loans they carry on their books.The material will be available to the public public but won't be ready for viewing until later this summer or early fall. Bankers have strongly opposed the release of the information but have given up efforts to overturn the new requirement.

SHREDDING OF DOCUMENTS REPORTED AT BUTCHER'S FAILED KNOXVILLE BANK Federal bank officials have reported that loan documents were shredded at the failed C&C Bank of Knox County only hours before it was closed, the governor's legal adviser said yesterday.C&C Bank of Knox County, owned by C. H. Butcher Jr., and four other banks were declared insolvent and sold Friday. They had 40 branches and total assets of $718.2 million with deposits of $660 million.

5 Tennessee Banks May Fail Soon Five Tennessee banks that were part of a chain controlled by financier C. H. Butcher are likely to fail this weekend, banking sources said.State and federal regulators have been trying to find buyers for the banks ever since United American Bank of Nashville, which was controlled by Butcher's brother Jake, failed in February.Dozens of bankers from Tennessee and other states attended a meeting at the Federal Deposit Insurance Corporation yesterday at which the situation.

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