After making the decision three months ago, I finally closed out my bank account yesterday. I've been banking through my new credit union account since late October, ignoring the Regions account, not really putting things off so much as just sleeping all day and not thinking about it.
As it happened, I was lying there trying to go back to sleep and started thinking, "There's probably enough in the Regions account for me to buy a good cable modem...it's time to drop the Dialup...."
In all, it took 5 minutes once I got there. Neither the bank rep nor the teller even asked why I was closing out, didn't express polite remorse for losing my business. Just the standard pleasant "have a nice day" persona, no different from any other transaction. "A deposit? Thank you, sir!" "You're leaving us after nearly 8 years? Thank you, sir!"
I'm disappointed--I had arguments, talking points, and a slightly indignant attitude set and ready in the wings!
I was going to tell them about how when I needed a loan to get the X-11 three years ago, they couldn't help me even though they'd done exactly the same loan three years before for the Tracker. I didn't miss a payment, even when it meant I'd go without gas money or food for two weeks. I had to cash in a CD to buy the X.
I was going to tell them about how there was no way I'd be able to meet their new checking account standards, so I'd be stuck paying them $10 a month for what had been a free checking account when I opened it in 2004.
I was going to remark that when they could have been helpful, they went for the corporate interest ahead of the customer.
Still, I'd have been delivering those talking points to the wrong ears--they of all people would be in a position to understand and even sympathize, since they're at the bottom of the bank industry, the people in the trenches as opposed to the corporate scumbags who might notice a dip in their bonuses this quarter, given that in the last few months the number of new credit union accounts exceeded the previous years' total.
Glad I could help with that.