A minor has to have a parent or guardian to help them open a bank account. A minor can borrow money, but most often needs a co-signer such as a guardian or parent. A minor in most banks cannot be appointed as a trustee of any account.
Many banks offer loans and other types of special products. This makes the customers who need these products special customers. They need to see a banker in order to get a loan processed or open a special type of account.
- 'Difficult' Customers
For example, this type of person may be upset to find additional fees on their account or an error the bank made. They may overreact and take a bit of personal care to calm them down.
Some special customers tend to visit the bank frequently, even finding an excuse to do so. Most individuals tend to avoid banks; however, this personality type enjoys spending time in the bank perhaps because of the level of customer service. You may actually see these customers three or five times a week.
Banks actually list inebriated individuals as a special type of customer. This person is not of sound mind according to the banking laws and therefore cannot sign any documents opening a bank account. They can operate their account via ATM, but at the teller they may be turned away if they try to remove a lot of cash.