![I Will Teach You to Be Rich
alert to students
If youâre a student, thereâs no reason you shouldnât have an account
with no fees and no minimums. If you decide to stick with a Big Bank
account, make sure youâre in a student account with no annual fees.
Hereâs how the conversation will probably go:
You: Hi, Iâm a student and Iâd like to get a savings account and a
checking account with no annual fees. Iâd like free checking and no
minimum balance, please.
Banker: Iâm really sorry, but we donât offer those anymore.
You: Really? Thatâs interesting because [Bank of America/Wells
Fargo/Washington Mutual/other competitor] is offering me that exact
deal right now. Could you check again and tell me which comparable
accounts you offer?
(Eighty percent of the time, youâll get a great account at this
point. If not, ask for a supervisor.)
suPervIsor: Hi, how can I help you?
You: (Repeat argument from the beginning. If the supervisor doesnât
give you an option, add this:) Look, Iâve been a customer for X years
and I want to find a way to make this work. Plus, I know that your
customer-acquisition cost is more than two hundred dollars. What can
you do to help me stay a customer?
suPervIsor: What an astounding coincidence. My computer is
suddenly allowing me to offer the exact account you asked for!
You: Why, thank you, kind sir. (Sip Darjeeling tea.)
Youâre in a customer group thatâs very profitable for banks: ING
Direct and the American Bankers Association put the cost of acquiring
a new customer between $100 and $3,500âincluding all of their
advertising, personnel, and technology costs. They donât want to lose
you over something as small as a $5 monthly fee. Use this knowledge
as leverage whenever you contact any financial company.
64](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)
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Call script for students to get free bank accounts
- 1. âA unique voice on money, i w r d an do i l l ail d i wn fo ds, one singularly attuned toâŠhis generation.â t e y t nt loa a c ac er I WIll h y tic act Vis u t o l tip e sp âSan FranciSco chronicle o a iv it b e r s, b re i c on ads h . us h co m ee ts TEAch You by RAmIT SEThI founder and writer of iwillteachyoutoberich.com ToBE No Guilt. No Excuses. No B.S. Just a 6-Week Program That Works
- 2. I Will Teach You to Be Rich alert to students If youâre a student, thereâs no reason you shouldnât have an account with no fees and no minimums. If you decide to stick with a Big Bank account, make sure youâre in a student account with no annual fees. Hereâs how the conversation will probably go: You: Hi, Iâm a student and Iâd like to get a savings account and a checking account with no annual fees. Iâd like free checking and no minimum balance, please. Banker: Iâm really sorry, but we donât offer those anymore. You: Really? Thatâs interesting because [Bank of America/Wells Fargo/Washington Mutual/other competitor] is offering me that exact deal right now. Could you check again and tell me which comparable accounts you offer? (Eighty percent of the time, youâll get a great account at this point. If not, ask for a supervisor.) suPervIsor: Hi, how can I help you? You: (Repeat argument from the beginning. If the supervisor doesnât give you an option, add this:) Look, Iâve been a customer for X years and I want to find a way to make this work. Plus, I know that your customer-acquisition cost is more than two hundred dollars. What can you do to help me stay a customer? suPervIsor: What an astounding coincidence. My computer is suddenly allowing me to offer the exact account you asked for! You: Why, thank you, kind sir. (Sip Darjeeling tea.) Youâre in a customer group thatâs very profitable for banks: ING Direct and the American Bankers Association put the cost of acquiring a new customer between $100 and $3,500âincluding all of their advertising, personnel, and technology costs. They donât want to lose you over something as small as a $5 monthly fee. Use this knowledge as leverage whenever you contact any financial company. 64
- 3. Get the full book at Amazon.com About the book At last, for a generation that's materially ambitious yet financially clueless comes I Will Teach You To Be Rich, Ramit Sethi's 6-week personal finance program for 20-to-35-year-olds. A completely practical approach based around the four pillars of personal financeâbanking, saving, budgeting, and investingâand the wealth-building ideas of personal entrepreneurship.