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If you want to expose the service flaws in a financial institution or relish in the high-service quality, a branch is the place to do it. A visit to any financial institution branch will speak volumes about the institution’s culture, approach to service and overall efficiency. I recently visited a branch of one of the nation’s largest banks (one of those banks that has more assets than the entire credit union industry) to conduct some business. Before I get letters on this, of course my primary financial relationship is with a credit union, but some life events forced me to also form a relationship with this large bank.

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