Well again its an arbitrary distinction, Is that 51 lb. bag that much more dangerous than the 50 lb. bag. A baggage handler could easily throw their back out improperly lifting a 49 lb. bag, but at least I won't get charged for it.
What I don't understand about the airlines is the completely arbitrary weight limit/fee structure.
Why is it that if I have two bags, one weighing 60 lbs. and one weighing 40 lbs. do I get charged an excess weight fee; yet if both those bags weighed 50 lbs. I would incur no penalty.
One ticket agent explained the issue was related to fuel consumption, but charging me for my bag does not make the bag weigh less (and let's not mention my above point that the total weight of the bags -- if distributed evenly -- would cost me nothing extra).
Another has explained it as being an issue with weight distribution, but I'm sure if they put one heavy bag on the left (or front) for two light bags on the right (or back) that the overall weight would distribute fairly even (not exact, but this is a jet airliner not a game of Jenga).
Truly its sad that the airlines have to resort to such penny-pinching measures.
I used the Industrial Credit Union for years (http://www.icu.org/). They offer a good rate of return on their savings plan, and you don't need to know someone in the credit union to sign up (I believe DCU has this restriction, or at least it did when I was looking for credit unions).
They are only located in Liberty Square (in the Finacial District in Boston), and they keep real banker's hours. I found both of those features desirable for a savings account, as it made me really have to put extra effort in when I needed to withdraw funds.
They do have on-line banking as well so they aren't totally isolated.