This can all be understood by not thinking of your bank as a bank. Every bank employee, except a teller, is a salesperson trying to make a living by upsells. Th

This can all be understood by not thinking of your bank as a bank. Every bank employee, except a teller, is a salesperson trying to make a living by upsells. They are paid commission. Since your bank really isn't a bank, the one thing they don't have is cash money. You might have problems withdrawing $10,000 at one time.