Switch Banks? You Might Find There’s a Perk in It for You
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Switch Banks? You Might Find There’s a Perk in It for YouSwitch Banks? You Might Find There’s a Perk in It for YouTHIS should be a goldenchristmas giftage for banks #xthat want to persuade people to ditch their checking accounts and start fresh elsewhere.Fees became so high that the federal government stepped in to regulate overdrafts. Interest rates have fallen so low that many banks refuse to pay interest to many checking account customers.And bank failures have become such a regular occurrence that Fridays in the industry are no longer an excuse to go home early.Instead, people hang around to chew over the Federal Deposit Insurance Corporation’s bank seizure announcement on what has become known as “Bank Fail Friday.”Amid all of this, you would think people would be switching right and left. And you would be wrong.Roughly 10 to 15 percent of households move their checking account from one bank to anotherchristmas gifteach year, a figure that hasn’t changed substantially in recent years, according to several industry consultants and market researchers.So why do people stick around? For at least three main reasons, all of them flawed.Some people simply won’t do business with a bank that has no branches or none nearby. And it all starts with opening the account.“The vast majority of people want to come in and sit down and talk about how they want to bank,” said Mark Hogan, who runs the East Coast branch network of Bank of America, which has just over 6,000 branches, more than any other bank in the United States. And you can’t have that face-to-face initial meeting unless your bank has a branch near you.Other people are worried about cash flow. If they make frequent deposits with actual checks,Carbon fiber body kit, they want to be able to show up in person and get the paper processed quickly. People #xwho live far from a branch or need to mail in deposits could wait several days before having access to thatchristmas giftmoney.相关的主题文章：
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