I often think of my experience at Citibank 15 years ago when I closed my account at the branch. The teller said 'sure thing, just put your debit card into the device and enter your pin'. I did that and he said ok I'll close the account and give you cash? I said 'yes' and then it was done. He said, "have a great day!"

It was one of the best customer experiences of my life to not have to answer a series of 'why are you leaving?' questions and I would like to head back to Citibank just because of it. Unfortunately I don't live in NYC anymore so can't really do that.