Can confirm KYC really helps (in reverse) at small/regional banks. Shout-out to Midfirst Bank https://www.midfirst.com/about-us for walking the walk.
I deliberately flow a higher percentage of transactions through my, literally 10 min walk away, regional bank branch. I also occasionally (~once/month), literally walk into the lobby (shocking I know) to say "hi!" when withdrawing cash at the ATM for travel.
They know me by name & face. I'm not just a number to the tellers, the manager, and the vp, and likewise back to them.
Shockingly, I get fees waived for wires the occasional cashier's check, and am appraised of anything else going on with the website, upcoming services, and pending transactions (even at high relative holding percentages from one-time routes) flow through like butter.
I deliberately flow a higher percentage of transactions through my, literally 10 min walk away, regional bank branch. I also occasionally (~once/month), literally walk into the lobby (shocking I know) to say "hi!" when withdrawing cash at the ATM for travel.
They know me by name & face. I'm not just a number to the tellers, the manager, and the vp, and likewise back to them.
Shockingly, I get fees waived for wires the occasional cashier's check, and am appraised of anything else going on with the website, upcoming services, and pending transactions (even at high relative holding percentages from one-time routes) flow through like butter.
Relationship banking at its finest.