Many years ago I was a manager of a very busy bank in a well to do area of New Jersey. I man came in and I noticed that my 3 new accounts employees did not call him over, in fact, they buried their heads and ignored him. I got up from my desk, passed all 3 with look that said “ I will talk to you about this later” and greeted the man and asked him to take a seat at my desk. He was definitely a farmer and had recently left the fields or the stable and the smell was not pleasant. He asked for CD rates and then informed me that another bank down the road had a higher yield by 0.25%. Before I could ask him some questions that might have given him a higher rate in another product, he told me to open the CD because he had been treated so badly at the other bank. He apologized for how he looked and explained that he was in a rush to open the account because he had to catch a plane that afternoon. He opened the account with 250K and became a frequent CD customer, always coming in dressed in clean clothes.

My employees got the “ don’t judge a book by its cover” lecture. Before you tell me that he was rude to come in that way, I have had more bad experiences with customers and their overwhelming perfume and cologne.