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Reference Desk
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Choosing A Bank That's Right
For You
It is important to select the
right bank. Do NOT choose just any bank. Be fussy!
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There are two main
objectives to seek when searching for a new bank.
1.) Find a bank that is aggressively seeking new business.
2.) Choose one with which you can develop a personal relationship.
To select a bank that is aggressive, simply watch for extended
advertising campaigns. They are very costly, and must bring in new
business in order to be continued. |
Look also for smaller banks, ones
with just a few offices. They tend to be more aggressive, more lenient on
qualifications, much friendlier and more personalized in the service they
offer. They are forced by nature of their competition to be more flexible.
With the small, independent bank, you will get friendly service, and often
will be called by name. The tellers remember you and do not need to
request your identification every time you want to cash a check. Small
banks do not have a large loan committee that spends lots of time
shuffling papers. They may however, stall your loan application for a day
or so in order not to appear too anxious! Its a minor issue...and not one
to be overly concerned about.
Big banks seem to have forgotten that the customer is number one. You will
be far more pleased with your small bank and your personalized service
when it comes to getting loans and other services for your own business.
Choosing a Bank Article
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