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aggressive bank emoyees trying to cross sell #4266637
12/05/16 11:51 AM
12/05/16 11:51 AM
Joined: Mar 2003
Posts: 600
USA
Joe1 Offline OP
Joe1  Offline OP

Joined: Mar 2003
Posts: 600
USA
I rarely set foot in a retail bank,but during the few times l have in recent years, l was pressured relentlessly to discuss products x,y and z with one of their advisors. I realize that they are under tremendous pressure to cross sell and generate revenue, but they sometimes don't take no for an answer and become obnoxious. It gives me more incentive to do all of my banking online or at the ATM.

Re: aggressive bank emoyees trying to cross sell [Re: Joe1] #4266642
12/05/16 11:56 AM
12/05/16 11:56 AM
Joined: Feb 2014
Posts: 3,046
Canada
Lolvoguy Offline
Lolvoguy  Offline

Joined: Feb 2014
Posts: 3,046
Canada
i concur.

They are always trying to up my credit limit or up my insurance on my lines of credit.
To that I say "Up yours!"

LOL


06 Lexus IS350- Wife
88 BMW 325is- Mistress
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Re: aggressive bank emoyees trying to cross sell [Re: Joe1] #4266649
12/05/16 12:00 PM
12/05/16 12:00 PM
Joined: Sep 2004
Posts: 1,179
Basehor, KS
JayhawkRoy Online content
JayhawkRoy  Online Content

Joined: Sep 2004
Posts: 1,179
Basehor, KS
I use local banks that do not have up sells/affiliated products sells as a policy. Problem solved. On line, I use two banks that do not seem to have a policy of up sells, so I am happy all the way around.

Re: aggressive bank emoyees trying to cross sell [Re: Joe1] #4266650
12/05/16 12:01 PM
12/05/16 12:01 PM
Joined: Feb 2012
Posts: 3,007
texas
cptbarkey Offline
cptbarkey  Offline

Joined: Feb 2012
Posts: 3,007
texas
whisper the words "wellsfargo" and if they still dont know what you are talking about pull this article out from your wallet and shove their nose in it. http://www.npr.org/sections/thetwo-way/2...ns-amid-scandal

Re: aggressive bank emoyees trying to cross sell [Re: Joe1] #4266654
12/05/16 12:07 PM
12/05/16 12:07 PM
Joined: Jun 2009
Posts: 279
Maryville, TN
SubyRoo Offline
SubyRoo  Offline

Joined: Jun 2009
Posts: 279
Maryville, TN
Its because the big banks push the employees so hard to meet unreasonable sales goals with the threat of losing their job if they are not met per quarter.


1999 Acura Integra GS-R 271K
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Re: aggressive bank emoyees trying to cross sell [Re: Joe1] #4266657
12/05/16 12:09 PM
12/05/16 12:09 PM
Joined: Mar 2008
Posts: 6,254
South Florida
bubbatime Offline
bubbatime  Offline

Joined: Mar 2008
Posts: 6,254
South Florida
I wouldn't do business with that kind of bank. Perhaps look at a credit union? If you can qualify for USAA or Navy Federal, might look that way.

I've been online banking with USAA for probably 15 years now, and I would never go back to a traditional bank. I only have to set foot in an actual bank perhaps once a year now, and its quite refreshing.


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Re: aggressive bank emoyees trying to cross sell [Re: Joe1] #4266668
12/05/16 12:14 PM
12/05/16 12:14 PM
Joined: Dec 2002
Posts: 42,971
New Jersey
JHZR2 Offline
Global Moderator
JHZR2  Offline
Global Moderator

Joined: Dec 2002
Posts: 42,971
New Jersey
Ive never been asked for such things at the smaller banks and CUs I deal with.

Re: aggressive bank emoyees trying to cross sell [Re: JHZR2] #4266703
12/05/16 12:34 PM
12/05/16 12:34 PM
Joined: Mar 2003
Posts: 600
USA
Joe1 Offline OP
Joe1  Offline OP

Joined: Mar 2003
Posts: 600
USA
Originally Posted By: JHZR2
Ive never been asked for such things at the smaller banks and CUs I deal with.


Maybe l should ditch the larger banks and patronize the smaller ones. I like B of A only because l can find their ATMs in many places l travel to in the US.

Re: aggressive bank emoyees trying to cross sell [Re: Joe1] #4266731
12/05/16 12:56 PM
12/05/16 12:56 PM
Joined: Sep 2004
Posts: 1,179
Basehor, KS
JayhawkRoy Online content
JayhawkRoy  Online Content

Joined: Sep 2004
Posts: 1,179
Basehor, KS
Many smaller banks are parts of nation-wide ATM networks. It takes a little research to identify them beforehand. I am currently using an Everbank ATM card that allows you to use any ATM, and get automatic reimbursement for the fees, up to a monthly limit. Before, I used a credit union that was part of the Coop ATM network, and identified qualifying ATM locations before I went on my trip.

Re: aggressive bank emoyees trying to cross sell [Re: Joe1] #4266752
12/05/16 01:15 PM
12/05/16 01:15 PM
Joined: Mar 2007
Posts: 10,008
Upstate NY
sciphi Offline
sciphi  Offline

Joined: Mar 2007
Posts: 10,008
Upstate NY
My local credit unions don't do that. Any place that did would lose my business. Pitching me when taking out $40 for the weekend isn't fun.


2013 Toyota RAV4 XLE
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Re: aggressive bank emoyees trying to cross sell [Re: Joe1] #4266754
12/05/16 01:15 PM
12/05/16 01:15 PM
Joined: Apr 2012
Posts: 6,887
MA
Wolf359 Online content
Wolf359  Online Content

Joined: Apr 2012
Posts: 6,887
MA
I've been going to the same banks for years. Comes in handy when you want a free cashier's check or whatever you might need. Anyway the local one had a promotion where you'd get $5 if the teller didn't ask you about opening an account. They asked me anyway but weren't pushy about it because they knew I wouldn't do it. That seemed to last only a month or two, then it was gone.

Re: aggressive bank emoyees trying to cross sell [Re: JayhawkRoy] #4266758
12/05/16 01:19 PM
12/05/16 01:19 PM
Joined: Nov 2015
Posts: 934
US
bunnspecial Offline
bunnspecial  Offline

Joined: Nov 2015
Posts: 934
US
Originally Posted By: JayhawkRoy
Many smaller banks are parts of nation-wide ATM networks. It takes a little research to identify them beforehand. I am currently using an Everbank ATM card that allows you to use any ATM, and get automatic reimbursement for the fees, up to a monthly limit. Before, I used a credit union that was part of the Coop ATM network, and identified qualifying ATM locations before I went on my trip.


Not only that, but many credit unions have agreements with each other that allow you to do basic business(deposit cash/checks, withdraw, etc) at a different credit union.

I have only ever used a credit union. When I moved for graduate school, I was able to keep doing business with the same one as there were surcharge-free ATMs all over the place and half a dozen places in town where I could get counter service.

I'm glad I stuck with them. They have now expanded into my town, and even better the university where I went to grad school and am now employed has entered an agreement with them to be the "official bank." We have a full-blown branch on campus. That's not to mention that I managed to get a LOT of perks that they were offering to new members when they first moved on to campus. They recognized my 28 year loyalty to them, which they said was the longest of anyone they had dealt with in this branch, and loaded me up with all kinds of freebies.

I've never been upsold or otherwise felt like I was being forced into anything. In fact, when I've applied for loans they've often been able to do some creative juggling of the loan type to get the best interest rate or advise me to take out something that would improve my credit score. I can't be happier with how they've treated me.


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Re: aggressive bank emoyees trying to cross sell [Re: Joe1] #4266765
12/05/16 01:23 PM
12/05/16 01:23 PM
Joined: Mar 2008
Posts: 6,254
South Florida
bubbatime Offline
bubbatime  Offline

Joined: Mar 2008
Posts: 6,254
South Florida
Originally Posted By: Joe1
Originally Posted By: JHZR2
Ive never been asked for such things at the smaller banks and CUs I deal with.


Maybe l should ditch the larger banks and patronize the smaller ones. I like B of A only because l can find their ATMs in many places l travel to in the US.


Many online banks will refund you ATM fees charged by other banks. I have USAA and they will refund me like $20-$25/month in ATM fees from other banks.


17 Chrysler Pacifica Edge Syn 5W30
13 Yamaha XT250 Valv MC 10W40
10 Acura TSX 2.4 Edge 0W40
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Re: aggressive bank emoyees trying to cross sell [Re: Joe1] #4266802
12/05/16 01:56 PM
12/05/16 01:56 PM
Joined: Dec 2006
Posts: 2,937
Columbus, Ohio
John_K Offline
John_K  Offline

Joined: Dec 2006
Posts: 2,937
Columbus, Ohio
Don't get me started. We complained to Huntington mgmt about this. They said we "are in a sales oriented industry." Really? When I was a kid, banks encouraged me to save, not borrow. Of course, now that savings interest is .02 percent who would bother with that.

John


2009 Mercury Grand Marquis, 8 cyl auto, 91xxx miles, PU/Fram Ultra
2005 Hyundai Sonata, 4 cyl auto, 98xxx miles, Maxlife/OEM Filter
Current oil stash: 468 qts.


Re: aggressive bank emoyees trying to cross sell [Re: Joe1] #4266823
12/05/16 02:13 PM
12/05/16 02:13 PM
Joined: Dec 2006
Posts: 20,004
Dallas,Tx USA
aquariuscsm Offline
aquariuscsm  Offline

Joined: Dec 2006
Posts: 20,004
Dallas,Tx USA
Years ago I worked with a guy who got fired from one of the previously mentioned big corporate banks because he didn't "sell" enough of their credit cards. I think that practice is sleazy and disgusting. You tell them no and they keep pushing. When I worked retail our supervisors would prey on the people they thought were too unintelligent to understand the uber high interest rate and pushed us to do the same. I always flat out refused to participate in that scumball behavior because I thought it was completely unethical.


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