I take my checks to the ATM.  I never set foot in banks.  The tellers lose their jobs if they don't refer you to the salesperson in the corner, who is peddling whatever annuity or mutual fund is paying the highest commission this week.  

I told a client who was earning 0.1% on $200K in a bank money-market fund to put it in a CD paying 5%.  The bank sold her a CD -- but inside a new brokerage account, where six months later they could call her up and switch her to something else.