This institution expects tellers to initiate sales of financial products to customers (in itself, not really a con). The products, however, are difficult to sell because they are of such low quality in comparison to other competing products in the market.
Our credit card offers 6 months 0% with Good credit, I just got a "beginner" card for poor to fair credit, 9 months 0% on balance transfers and purchases from a competing institution.
The only thing we do half right is mortgages, when the back office doesn't botch the underwriting and lose deals.
The new system implemented a year ago is riddled with bugs, issues, and downtime. Our online doesn't work half the time, and we are constantly playing "catch up" with our technology. Phone deposits took too long to implement, with bugs, only on iOS, not android nor windows phone.
We rarely ever refund fees, this bank charges 10.95/mo for our basic checking account, which is ludicrous in today's market, especially when management is harping on opening deposit accounts.
And to top it all off, you HAVE to open a checking account just to look at your CD/Investment/IRA/Savings/etc online, which is also ludicrous.
As an employee, they do not like to hire from within. They would rather bring someone in from the outside to be your superior when they have no familiarity with BBVA's systems or operations.
