Four Types of Banking Customers: Are You One of These People?

You can only recognize these types of customers if you've stood on the other side of the bank teller platform. I have, and let me tell you, it's an interesting site to see who comes into the bank. Actually there aren't that many different types of bankers. Most people can be put into one of three categories. Below, you will read about three types of banking customers. As you read ask, yourself one important question: Are you one of these people?

The unaware type

This banking customer is totally unaware about a few things when he or she comes to the bank. Most importantly, he or she is unaware his or her bank account is overdrawn. This customer's also unaware bank tellers require ID, and leaving it in the car won't do any good. The customer is unaware their license has expired, but he or she still managed to drive to the bank. And he or she is unaware bank tellers usually can't cash checks when the account is overdrawn. Overdrawn, and having just wasted a half hour in the bank, this person is unaware he or she has a flat tire.

Sound like an exaggeration? It's not. Many people who come into the bank either have several or all of these characteristics. I've sat in the bank and watched people sad because they've run out of gas yet their account is overdrawn for the tenth time. I've argued with people in the drivethru over an expired license. There's nothing wrong with being unaware, but if you one of these types, be mindful the people winning the banking game work for the bank. You're money might as well be going into a trashcan.

The checks and balances type

These people come into the bank everyday, make small transactions, and ask for their balance. Day after day, this is their routine. They have a balance of a $1000. They withdraw a hundred dollars, and then ask, "What's my balance." Unlike the unaware type, these people are not a detriment to themselves. They're just a detriment to the bank. Why? Because they slow down the lines and annoy the bank teller.

The miserable money having type

These customers have money. Each week, they're known for cashing checks in the thousands. They're professors, lawyers, and maybe even teachers but do you think they are happy? Not at all. They grumble, mumble, and complain to you about long bank lines and sick bank tellers who have called out. They look like they've got nowhere else to go after they leave the bank. And the worse part is, they bring their unhappy selves into the bank often.

The Just enough type

Just to get by is their motto, and unfortunately, the just enough type makes up a big percentage of banking customers. These people have just enough money in their bank accounts to pay the bills and buy a few things. They sometimes have some money left over, but these certainly aren't the investment types. They could be a detriment to themselves come retirement time. However, they won't know that until the time comes.