Spring Garden Fair on tap

Canby Herald - News
Annual event is May 5-6 at the Clackamas County Event Center and feature plants, flowers and more

Welcoming Harvest Gold

Canby Herald - News
The Neil Young tribute band will be at the Canby Public Library Saturday for Music in the Stacks

Talk of another hotel ramps up

Canby Herald - News
Canby City Council talks about adding new hotel to city's profile, new transient tax

Career fair on tap

Canby Herald - News
Clackamas Community College will host career fair on the Oregon City campus April 17

Peace Pole event slated

Canby Herald - News
The Canby Public Library plaza will be the site of a ceremony to dedicate the town's new Peace Pole

Clackamas Community College ranked top nursing program

Clackamas Review - News
For 2015-17, all nursing students passed NCLEX exam at CCC, the only Oregon nursing program with a 100 percent pass rate

On the 'hunt'

Canby Herald - News
This year's Kiwanis Easter egg hunt raised more than $1,200 for Doernbecher's Cancer Program

A spring bazaar

Canby Herald - News
Spring in the Country Baazar will be going on this week at the Clackamas County Event Center

Celebrating libraries

Canby Herald - News
Canby Public Library is celebrating National Library Week through April 14 with food drive and more

Library plans Owyhee discussion

Canby Herald - News
Take a vicarious journey with Bonnie Olin to the Owyhee River Canyon Lands during library program

New 'Pints' program on tap

Canby Herald - News
Pints from the Past program will focus on 'Beneath It All,' a look pioneer women's undergarments

Hotel analysis for city on tap

Canby Herald - News
Council members will discuss the market analysis for a hotel in Canby during an executive session

Nearing 'Hamer time

Canby Herald - News
A 16-year-old Canby woman will leave for a hiking trip along the Pacific Crest Trail soon

Record Bonanza

Canby Herald - News
Unique to the area, this April 15 event brings music, memorabilia and plenty of memories

Grab a bit of restaurant history

Canby Herald - News
A chance to grab a bit of local history as the Top O' Hill Restaurant will hold an auction April 7

A maker of music

Canby Herald - News
Canby's own Briana Renea continues her musical journey with a new project and fun direction

Library's top requests

Canby Herald - News
A look at what people wanted to read and watch during March thanks to the Canby Public Library

Library hosts story night

Canby Herald - News
A Night of Stories will look at the culture and traditions of the Aztec culture at Thursday event

Where the wine is fine

Canby Herald - News
Taste. Learn. Celebrate! will feature area wineries at the Mt. Angel Festhalle on April 28

Fishing calling local youth

Canby Herald - News
The Canby Pond will be site of the ODFW's free family fishing event on Saturday, April 7

Library sets celebration

Canby Herald - News
The Canby Public Library will celebrate National Library week with some special programs

Honor Society and Canby Center celebrate successful book…

Canby Herald - News
Pizza was involved in the celebration of the CHS National Honor Society's book drive to support the Canby Center's Reading Mentors program.

Aurora tabs new fire chief

Canby Herald - News
Joshua Williams will come over from Depoe Bay to take the helm when Rod Yoder retires

Stutes receives special designation

Canby Herald - News
Local financial adviser at Cornerstone Wealth Management tabbed for LPL Patriot's Club

Bringing home a little Canby heritage

Canby Herald - News
Canby celebrates its new heritage trail with a ceremony and some well-earned writing awards

Marijuana facility coming to area

Canby Herald - News
The Green Planet Dispensary will be bringing pot products to the old Top O' Hill restaurant site

Council talks earlier clean-up effort

Canby Herald - News
Canby City Council gets a full report on last September's clean-up program and what's to come

Easter egg hunts

Canby Herald - News
The Canby area has a bunch of Easter egg hunts set for Friday and Saturday for all ages

Canby American Legion breakfast

Canby Herald - News
The Canby American Legion Auxiliary will host a Sunday breakfast on April 1 at 424 NW First Ave.

Aurora fire levy on ballot

Canby Herald - News
The Aurora Rural Fire Protection District has a levy on the ballot to replace current levy

Schrader makes donation

Canby Herald - News
Congressman Kurt Schrader makes salary donation reflecting time spent on goverment shut down

Adult center slates cooking class

Canby Herald - News
Canby Adult Center will offer a class titled, 'Cooking With What You Have on Hand' March 29

A look at country schools

Canby Herald - News
Author Margaret Anderson Branson takes a look at old country schools from the area

Explore the Owyhee

Canby Herald - News
A Canby Public Library program will examine the Owyhee River Canyon Lands on April 10

CARE awards handed out

Canby Herald - News
A pair of Lee Elementary School custodians are honored for their hard work and dedication

Thelma's Place slates speaker

Canby Herald - News
James Hunsaker will discuss a variety of topics during this month's support group meeting

Former Canby cop hits the forge

Canby Herald - News
Tony Fetters will do his thing on the History Channel show 'Forged in Fire' Tuesday night

Promises of change made at 'March for Our Lives'

Portland Tribune - News
The largest protest since last year's Woman's March drew thousands to Pioneer Courthouse Square.

High school senior earns full ride caddy scholarship

Canby Herald - News
Canby resident Marina Daniels will attend UO on a full ride after winning the WGA Chick Evans Scholarship valued at $100,000

Canby Lions deliver flags

Canby Herald - News
Canby Lions Club continues its tradition of handing out U.S. Flags to first-graders in Canby schools

Initiative would ban the sale of assault weapons

Portland Tribune - News
A petition proposed for November would ban assault firearms and high-capacity magazines in Oregon.


Canby Herald - News
The Canby High equestrian team continues its winning ways in its district as riders tally wins

Canby Council makes additions to boards

Canby Herald - News
City Council looking at changing the start time of meetings from 7:30 p.m. to 7 p.m.

Relay for Life meeting

Canby Herald - News
The combind Molalla-Canby Relay for Life event is having an organizational meeting March 21

Tulip Festival at last

Canby Herald - News
This year's Wooden Shoe Tulip Festival will get underway Friday, March 23 and run through April 30

Spring Flea Market

Canby Herald - News
The Canby Historical Society will hold its Spring Flea Market March 23 at the Event Center

Four...and counting

Canby Herald - News
Canby dance team does it again, taking the Show Division at the state competition once again

Very Revolutionary

Canby Herald - News
Canby Public Library will host a discussion on the Revolutionary War on March 21 at 4 p.m.

CAT sets new schedule, route changes

Canby Herald - News
Canby Area Transit announces change of Route 99 to Route 99X, as well as other tweaks

Portland's Kabir Muthu crowned spelling champ

Portland Tribune - News
Oregon's Regional Spelling Bee in Portland is presented by the Pamplin Media Group and Comcast.

Helping hand with a pump

Canby Herald - News
Canby American Legion receives a grant from the Siletz Tribe to help fix its pump system

Report: Quake will devastate Clackamas County

Clackamas Review - News
State geologists analyze projected impacts of Cascadia Subduction Zone earthquake, magnitude 9.0, and expect tens of thousands of casualties in the…

Tim Cook named next president of Clackamas…

Clackamas Review - News
Dr. Joanne Truesdell, who has served as president since 2007, announced her retirement last year effective July 1

Two elementary schools wrap up school-wide book club

Canby Herald - News
Lee Elementary and Knight Elementary held a school-wide reading event called Book in Common

The curious case of Canby's ex-chamber director

Canby Herald - News
Liz Marcum called it a 'forced resignation,' the chamber says it was a 'mutual decision'

A little help

Canby Herald - News
Oregon Renaissance Faire in Canby is looking for volunteer help for this year's show in June

Canby students walk out in solidarity with Parkland

Canby Herald - News
Students from Baker Prairie Middle School and Canby High School participated in the Enough National School Walkout

Students say 'Enough' during walkouts

Portland Tribune - News
Portland Mayor Ted Wheeler: 'We need our federal leaders and state leaders across the country to step up to protect our citizens from these entirely…

City council seeks vision, sets goals

Canby Herald - News
The council recently finished up a goal-setting and visioning meeting as they look to the future

Canby Council explores subdivision issue

Canby Herald - News
Council decides, after debate, to send the Redwood Landing application back to Planning Comission

North Marion All-Schools Auction

Canby Herald - News
The district's major fundraiser is set for Saturday at Woodburn Legacy Health Center

FFA qualifiers

Canby Herald - News
Canby's FFA program had a trio of students qualify for the state competition at a recent event

Prepping for the FINALE

Canby Herald - News
A large number of guys tried out for North Marion's production of 'You can't Take It With You'

City unveils new website

Canby Herald - News
The new-look website was designed by a Canby company and offers a fresh look, better functionality

Art exhibit runs through March

Canby Herald - News
The works of Salem artist Tara Choate will be on display at the Canby Library through March 30

Canby woman, 65, dies in plane crash

Canby Herald - News
Mary H. Rosenblum was the only occupant of the Piper Super Cub that crashed near Daybreak Field.

Library Life

Canby Herald - News
A look at the programs the Canby Public Library will have for the remainder of March

Tuesday class

Canby Herald - News
A look at Canby women's civic clubs and how they impacted the town set for March 13

Castletown is next up

Canby Herald - News
Canby Library's music program returns March 10 with the sounds of Castletown in the stacks

Hunter education classes on tap

Canby Herald - News
There are a host of hunter education classes set for the local area, including Canby and Molalla

CHS academic specialist Jodi Gelder gets February…

Canby Herald - News
'I can confidently say you have become a lifesaver to a lot of our kids.' -Canby High School Principal Greg Dinse

Community garden opens at Baker Prairie

Canby Herald - News
Baker Prairie Middle School has opened its yearly community garden and is looking for growers

Trial date set for Canby woman in manslaughter case

Canby Herald - News
Vasilissa Kuzman, 20, is axccused of killing two men in a DUII accident on Feb. 15

Ante goes up for 'Froggy Robber' suspect

Canby Herald - News
The reward for information and arrest of bank robber who hit a Canby branch continues to increase

Spinning wheels got to go round

Canby Herald - News
The annual Spinning Wheel Showcase will be march 10-11 at the Old Aurora Colony Museum

Local teachers receive grant

Canby Herald - News
Two Carus Elementary School teachers will share the funds for a joint project with their classes

Court coronation on tap

Canby Herald - News
The Clackamas County Fair and Canby Rodeo court coronation will be Saturday in Canby

Legislative session ends, HB4092 dies in committee

Canby Herald - News
A bill that would have opened to door to runway expansion at Aurora Airport comes up short

Knights lend a financial hand

Canby Herald - News
Canby's Knights of Columbus raise more than $18,000 to aid the local pregnancy care center

A look at the American Revolution

Canby Herald - News
Voices from the American Revolution will take a three week look at this country's formation

A look at TV

Canby Herald - News
DirectLink will hold a free community education class at three separate times on March 8

Tree School schedule set

Canby Herald - News
The OSU Extension Service's annual program has an expanded schedule and plenty to learn

Knight Elementary students earn school's first…

Canby Herald - News
Last week, Canby students in grades 6-8 competed in a district OBOB tournament

Rydmark to vie for HD39 seat

Canby Herald - News
He becomes the fourth Republican to register for the coming primary to replace Bill Kennemer

People of Providence - Meet Ty J. Gluckman, M.D.

Portland Tribune - News
The People of Providence is brought to you by the Providence Foundations of Oregon - Sponsored Content

House Bill 4092 dead in committee

Canby Herald - News
Bill targeting Aurora Airport runway extension won't get a committee hearing, essentially killing it

A parade of 'Hope'

Canby Herald - News
The Superheroes Day Parade will be Saturday, March 3, in downtown Canby beginning about 1 p.m.

New insurance agency opens doors

Canby Herald - News
HealthMarkets Insurance Agency opens its new office in Canby on March 1, celebrating opening all month

Bingo on tap

Canby Herald - News
District 63 firefighters will hold their annual bingo night on Saturday at the Donald Fire Station

HAM radio licensing class set

Canby Herald - News
Always been curious about HAM radio? A HAM radio licensing class is set for Saturday in Molalla

Eccles kids win OBOB trophy

Canby Herald - News
The third-fifth grade Oregon Battle of the Books district tournament is in the books

Reward increased for bank robber to $30,000

Wilsonville Spokesman - News
Suspect who threatened tellers in six local banks with a knife should be considered armed and dangerous

Honoring the memory of a special day

Canby Herald - News
The annaul Iwo Jima flag-raising ceremony celebrates one of WWII's most iconic moments

Aurora Airport extension sits in legislative…

Canby Herald - News
House Bill 4092, which would open the door to the Aurora Airport runway expansion, awaits its fate

Support group welcomes speaker

Canby Herald - News
Thelma's Place support group will hear from Dr. Mario Seyer on Feb. 28 to discuss coping tools

Kaleidoscope of quilts

Canby Herald - News
Zion Mennonite's annual Quilting Workshop drew large crowds interested in creating something special

Redwood Landing development under review

Canby Herald - News
Councilors confused regarding several items in previously approved Redwood Landing development

Faire volunteers sought

Canby Herald - News
The Oregon Renaissance Faire is looking for volunteers to be part of the fun; meeting set for March

New artist on display at library

Canby Herald - News
The works of Tara Choate will be on display at the Canby Public Library through March 30

Essay contest celebrates women

Canby Herald - News
Students in elementary through high school are invited to submit essays about women who have made a difference



Banks relying more on overdraft charges
by: JONATHAN HOUSE, Darlene Forsman uses a drive-through ATM at a U.S. Bank branch in Hillsboro.  Forsman was charged a $35 overdraft fee for a 2 a.m. debit-card transaction, because her disability check wasn’t credited until 4 a.m.

Remember the days when you bounced a check and got dinged with a penalty and your check wasn't honored?

Nowadays banks routinely honor those checks and charge customers 'overdraft protection fees' of $25 to $35. Banks say most customers appreciate the policy change, but critics say the banks - especially the huge national ones- are milking overdraft fees to exploit unsuspecting customers.

Michelle Kohler of Southeast Portland says her husband used an ATM to deposit his paycheck one Friday into his U.S. Bank checking account. After he used his debit card the following Tuesday to make a few purchases, the bank levied multiple overdraft charges because it hadn't yet cleared his paycheck in the intervening four days - even though the paycheck was issued from his employer's account with the same bank.

'It was over $100 in fees,' Kohler says. 'I was really mad.'

At 2 a.m. one morning, Darlene Forsman's westside Portland neighbor arrived home from the hospital and asked for help paying for the cab ride home. Forsman was a Good Samaritan and put the $5 cab fare on her debit card. But her bank wasn't so kind.

Forsman was socked with a $35 overdraft fee, because the bank didn't record the automatic deposit of her monthly $1,000 Social Security disability check until 4 a.m., or two hours later.

When Forsman worked as a bank teller years ago, she was trained to gather all of a customer's deposits and checks for one day, then add the deposits into the account before deducting money for the checks.

That's not how banks do it anymore.

Jacqueline Keeney opened a U.S. Bank checking account to get a deal offering $75 in free groceries. Keeney, laid off in June from her Portland job as a Head Start teacher, figured she would use the account just for groceries.

Before, Keeney was accustomed to sending back items to the grocery shelf when she reached the checkout stand and found her checking account balance was short. But with the overdraft protection in her new account, Keeney was able to make a $46 purchase in mid-August for $7.61 more than her balance.

In September, Keeney learned the bank not only slapped her with a $35 overdraft fee - but also $8 a day for not replenishing her account. By the time she figured it out, the bank said she owed $370.61 for overspending by $7.61.

'I understand they're scrambling, trying to figure out how to make money,' Keeney says of the big banks. 'But even 1920s Chicago-style loan sharks didn't charge that.'

Though overdraft protection programs have been widely used for years, there has been a recent surge of complaints about the fees, says Richard Renken, Oregon's chief banking regulator for the Division of Finance and Corporate Securities.

In the third quarter of 2009, from July through September, Oregonians filed 130 complaints about banks and credit unions to the state Department of Consumer and Business Services. Of those, 113 were about the practices of big national banks, which aren't regulated by the state; 16 were by customers of state-chartered community banks, and one was from a credit union customer, Renken says.

About 60 of the complaints dealt with overdraft protection fees, equal to the number of complaints related to mortgage foreclosures, Renken says.

The Center for Responsible Lending, based in North Carolina, calculates that banks and credit unions charged $23.7 billion for overdraft fees in 2008 - 35 percent more than in 2006. That's twice the amount Americans spent on books and about the same as they spent on fresh fruit, the group points out.

There's several possible explanations for the increased use of overdraft fees:

• More people are using debit cards and ATMs and not consulting checkbook registers that show their account balances.

• People are struggling to get by during the recession, and more prone to come up short of money.

• In Oregon, most payday loan companies closed after 2006 and 2007 state laws restricted their interest rates, so people have less access to emergency cash.

• Banks bruised by the mortgage crisis and recession are devising clever ways to make money.

Abuses detected

The Oregon State Public Interest Research Group recently dispatched volunteers to 18 Oregon banks and credit unions to pose as would-be customers. In a new report, OSPIRG says the banks and credit unions routinely place new customers into overdraft protection plans without properly informing them, and that more than half the banks didn't let customers opt out of such programs.

OSPIRG also found that many banks are paying customer checks out of order, paying the big-ticket checks first, which results in more smaller checks bouncing and triggering multiple overdraft fees.

Oregon Bankers Association Chief Executive Linda Navarro says surveys show more than 80 percent of customers prefer the overdraft protection charges over the old practice.

'They're very popular with the consumers, who see the alternative as not having their items paid.'

Before, when someone bounced a check, the bank often charged a $20 to $30 penalty, she says, and the merchant receiving the bounced check charged another penalty.

Overdraft fees 'should serve as a deterrent' not to bounce a check, Navarro says.

'The fees are completely avoidable,' says Tom Unger, Portland spokesman for Wells Fargo. Customers can now send a text message to Wells Fargo to obtain their account balance and get a response back within 10 seconds, Unger says.

Banks on defensive

On Sept. 18, Senate Banking Committee Chairman Chris Dodd, D-Conn., announced a pending bill to regulate bank overdraft fees.

U.S. Bank, Wells Fargo and other large banks responded quickly, announcing changes in their policies.

U.S. Bank's changes were unconnected to the Dodd announcement, as the bank had been re-evaluating its policies for a while, says Teri Charest, company spokeswoman at the Minneapolis headquarters. On Sept. 24, U.S. Bank announced it will stop charging overdraft fees next year when the customer overdraws by less than $10, and it will limit overdraft fees to three per day. U.S. Bank, the nation's sixth-largest bank and the largest in Oregon, also will enable customers to opt out of overdraft plans.

Wells Fargo, which automatically places customers in overdraft programs, announced it will introduce an opt-out provision so customers have a choice, Unger says. The bank also will stop charging overdraft fees when the overdraft is for less than $5, and it agreed to limit overdraft fees to four per day.

The Oregon Bankers Association has some concerns about the Dodd legislation, Navarro says. 'Banks are getting somewhat of a bum rap right now,' she says.

But research by Chicago-area economist Mike Moebs shows that when it comes to overdraft fees, the large national banks seem to charge the most.

Moebs, who conducts surveys and collects data on banks, says the median overdraft fee for the large national banks is $35. The median for smaller community banks is $28, while the median for credit unions is $25, he says.

An issue in the Senate

U.S. Sen. Jeff Merkley, D-Oregon, signed on as a cosponsor of Dodd's Fairness and Accountability in Receiving Overdraft Coverage Act, introduced last week.

Merkley says it's unfair for banks to automatically enroll customers in an overdraft protection plan without their knowledge. Customers should have a choice, he says, and there's no reason the banks can't alert debit card users that there's no money left in their account when they're swiping their card in a machine. That way, Merkley says, someone buying a 75-cent newspaper or candy bar at an airport can decide whether to proceed with the purchase, knowing it will cost $35.

Merkley also says it's 'completely bogus' for banks to pay out the largest checks first, thus triggering more overdraft fees. That doesn't help the customer, he says, because under current practices all those checks are covered by the bank.

Some banks would prefer the Federal Reserve handle regulatory concerns instead of Congress. Merkley disagrees, saying consumer protection is a low priority for the agency that regulates banking.

'It's why we need a Consumer Financial Protection Agency,' he says, referring to an Obama administration initiative facing criticism from the financial services industry.

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