Banking strategies

As a bank you should set up savings account type that has a high yield interest rate.  Then after a few months reduce the rate to almost nothing.  Then tell your customers that if they make multiple purchases using their check card they can get an increased interest rate.  Make sure that you only raise the interest rate enough that all it takes is one overdraft charge to cover their interest for multiple years.  The customer will think you are helping them out while you are really making more money off of them.