Do Bank Tellers treat you better if higher balance?

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InCreditWeTrust
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Do Bank Tellers treat you better if higher balance?

Postby InCreditWeTrust » Sat Sep 24, 2016 2:45 pm

Do you guys think that bank Tellers treat you better if they see you have a high balance? Obviously when you go to Bank and the Teller or Banker accesses your account they can view your balance.


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Re: Do Bank Tellers treat you better if higher balance?

Postby Tubpbs » Sat Sep 24, 2016 3:03 pm

InCreditWeTrust wrote:Do you guys think that bank Tellers treat you better if they see you have a high balance? Obviously when you go to Bank and the Teller or Banker accesses your account they can view your balance.


That hasn't been my experience. My experience has been that some tellers are bad and some tellers are good (bankers might be more likely to treat you differently because if you have more money they have a better chance of selling you more products in theory). Some tellers are absolutely atrocious and slow and don't know what they're doing and some are excellent at their job and are quick and organized and efficient. Some are in the middle. Of course, as always, YMMV.
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Re: Do Bank Tellers treat you better if higher balance?

Postby CarefulBuilder14 » Sat Sep 24, 2016 6:33 pm

I rarely need a teller...only two or three times a year.

At the banks I've been to, product sales are separate from the basic deposit/withdrawal/checking duties of tellers. Since (I'm assuming) the "pure" tellers are salaried/hourly, and not paid by commission or AUM, I wouldn't expect them to be too concerned with a customer's balance.
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Re: Do Bank Tellers treat you better if higher balance?

Postby TXviking » Sun Sep 25, 2016 12:47 pm

I find it varies significantly by branch. I live near an extremely affluent neighborhood with lots of Private Client customers. I'm not PC, but at the local branch I often feel treated the same way. Unusually prompt service, never any problems waiving a fee, and if I need something looked into they're more than happy to take care of it for me. (I don't use the branch very often either, but I do like having a local branch I can go to when I have some one-off need.)

At Chase branches in, shall we say, lower-income zip codes, I find the experience to be very different. I get the impression that Chase has higher standards for customer service at branches in higher-income neighborhoods/areas/zip codes.

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Re: Do Bank Tellers treat you better if higher balance?

Postby thom02099 » Sun Sep 25, 2016 12:54 pm

I deal with a credit union and a Wells Fargo bank on a regular basis. For dealing with line tellers, I've always found that, if you use their name and are friendly, and get to know them on a first name basis (both yours and theirs), you'll get better service every time you go in. I have favourite tellers at each location and typically will try to get them every time I go in. That way, when you do have a situation out of the normal (need to talk with a loan officer, for example), you'll likely get better service and less wait time, because they go out of their way to assist you. Has nothing to do with balances, up or down, as I don't have a checking account at WF, though I do a lot of business with them.

At least that has been my experience. As with everything financial, YMMV.
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Re: Do Bank Tellers treat you better if higher balance?

Postby PhillyPhoto » Mon Sep 26, 2016 7:37 am

My finace and I were in a condo with coin-op laundry for a year. I needed to get quarters regularly, and would go to the BoA across the street from my work. I don't have a BoA account, but was just changing $20s in to rolls of quarters. They only had 2 tellers most of the time, and could get backed up. Other than waiting for a teller, they were friendly when I actually interacted with them. They never asked if I had an account or anything. I think it also comes down to how much you frequent a branch. A friend of mine goes to one a lot (he also has a good balance), and they are friendly with him, but I think it has more to do with the fact that he's seen a lot and knows them, not just his balance.
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Re: Do Bank Tellers treat you better if higher balance?

Postby dickey1331 » Mon Sep 26, 2016 3:43 pm

I honestly dont remember the last time I was at an actual bank. Most of my banking is done with USAA which has like one actual store.
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Re: Do Bank Tellers treat you better if higher balance?

Postby Vattené » Mon Sep 26, 2016 4:51 pm

I hardly ever interact with tellers either. One bank I use for a lot has no branch anywhere near me, and another does but I can do just about everything I need to online or on my phone. I never keep much in it - it's just for paying bills - but when I have interacted with them they've always been pleasant. I deposit a lot of checks from the mobile app. I don't know how they view that (I could see them viewing people depositing with an app as a potential job threat or as making less work for them to do), but they're still always friendly and professional to me, even though I used to see them a lot more.
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Re: Do Bank Tellers treat you better if higher balance?

Postby Travis » Mon Sep 26, 2016 5:35 pm

I only noticed a difference when I was making cash deposits. They would usually smile.

I still make a point of stopping in once a month.

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Re: Do Bank Tellers treat you better if higher balance?

Postby kcm7 » Wed Sep 28, 2016 1:03 pm

A bank teller was super snippy with me once, when I went and asked for large cash withdrawal in small and specific denominations (so I could tip all my wedding vendors) and asked where the bathroom was. Granted, I was running around in leggings and a giant t-shirt too with wet hair, and this was a fancy downtown branch. There was "no public bathroom," she said, and she was visibly annoyed at my request for more than a grand in small and very specific denominations.

When she brought up my account though, she suddenly got nicer. I have a nice investment account with them and a savings account that holds what a relative left me when she died.

Suddenly she was trying to sell me on my pre-approved offers, and asking if I was considering a loan in the near future, and blah blah blah, and a relationship manager would be happy to sit down with me and was "in the branch today." Um, no thanks. Just give me my money.
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