Baloney! I've been a customer for over 15 years & have put up with the nickel & diming to death!
Last year I took out a home improvement loan & paid it back in a year with no problems at all. They did a direct debit from my acct. i went to get another improvement loan & they saw a slight decline in my income last year & turned me down! It's the same loan type & about the same amount & same terms!
It's under $3000.00 for cryin out loud!
And my branch people keep trying to get me to take out a home equity loan?! Fat chance !