Small banks tend to provide more personalized service because their business depends in part on maintaining good relationships with the community. This kind of intimacy is hard to achieve at big banks, which tend to be more bureaucratic and have higher staff turnover. Developing a good relationship with a bank can come in handy, especially when you need to get fees waived or negotiate the terms of a loan.
Tellers and financial advisers at big banks often earn commission when they sell customers cards, mutual funds, or high mortgage loans. Each offer varies, but there are often better deals on these financial products at credit unions or small banks. Just remember: Before signing up for services at a big bank, do some research and consult a financial adviser if possible.
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