I was at the bank for almost 8 years, but I as in IT so please, no one call me a banker. If that long in the financial sector doesn't sour one's opinion of banks, then one isn't paying atention.

Anyway, you're quite right abut the customer needing to be proactive if you want your bank to go an extra mile. Your bank doesn't want you "happy," since that'd mena they were doing too much for you. They want you just below the threshold of being annoyed enough to take your money out and bank elsewhere.

But on the insured/not insured matter, banks are legally bound to be up front about it. That's the case with N.A. banks, anyway (Naionally Administered). There are serious consequences awaiting a bank that flouts *that* rule, a there should be.

I actually coded a rule into the website: if "invest" appeared anywhere in the url, the non-insured disclosure would be included on the page. The Legal bunch thought that was the cat's pajamas (forgive the legal lingo).