If you are uncomfortable with your established relationship, rather than change banks, request a new personal banker be assigned to your account who may be more compatible. It is also important to establish and maintain a relationship with another bank in the event that problems arise which need immediate attention and your regular banker is not available. As time is generally a critical factor in most financial situations, the second bank will know about your business and be able to respond immediately. Be sure that your banker knows your business. Stay with the same bank, if possible.
Consistency is important to bankers.
Don't surprise your banker. Financial situations that are inappropriate for bank borrowing All business owners have run across bankers that say NO to their request for funds, even though they know their project is worthwhile. The retail oriented bank does considerable advance work and promotion to attract customers and is involved in installment loans, car financing, passbook accounts, etc. On the other hand, the commercial bank caters to the business firm. The commercial bank operates with purchased funds, such as certificates of deposit, bankers acceptance, etc., while the retail banks use savings accounts, money market certificates, etc., for their sources of funds.