<prompt> Human: If you are ever at the bank and a teller suggests that you look into a credit line, better savings account, overdraft protection, whatever.. Tell them no thanks, go home and get online and research it yourself. Bank tellers and most personal bankers inside a consumer banking branch are sales people, thats it. They might have some education in finance but it is not required to get the job. Many are paid commission for getting consumers to use new products, whether they actually benefit them financially or not.  <response>: Never trust a person who is trying to sell you a product to act in your best interest. 