[wrs]

This is great advice, as long as you remember you need both hospitality and service. At some point a warm relationship doesn’t compensate enough for a bad product.

I love that the staff at my little neighborhood bank remembers me, and was so warm and helpful when I had to open an estate account when my mom died, and sometimes I bring my favorite teller a latte on my way back from the coffee shop.

But I still switched my business account to Chase, because my little neighborhood bank’s website is stuck in about 2005, and I just couldn’t put up with it any longer!