I work in a local bank at the Jersey Shore as a teller.
We have certian goals (fairly low) that we have to meet each month, otherwise it goes against us, and could cost us a raise. Management is very understanding, because they know that not everyone wants a HELOC or to talk to our financial advisor.
The products I have been successful with are checking accounts (since we pay a $50 bonus to a customer if their employer banks with us--- most non customers are cashing their paychecks), savings accounts or holiday clubs (many people will open at teh same time as a checking). I think I've done 1 HELOC (our rates are at 4.25 right now).
We have a financial consultant (investment advisor), and I try and get customers to talk to him. I'm not saying this to just anyone though, just high balance customers (why keep 6 figures in a passbook acct earning .5% interest). Some will chat, some won't. They know that all we can do is try.
ETA we will match rates for some customers (that we are their "relationship" bank and "platinum" customers, not for a rate shopper). THat has to be approved by the home office though.
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