Anyone who wants to sign up for products with banks, should seek the advice of a trusted banker. Someone who they have had dealings with previously and who will more often than not have their clients' interests at heart.
If you do not know anyone from the banking industry, then there is not much of a choice but to 'try' someone out, otherwise ask friends for recommendations. That way, at least you can have some references from them about your potential banker.
Whether or not it is to invest your hard earned money or to apply for loans or to re-structure your deposits, it is always advisable to have someone trustworthy to explain the 'hidden' terms of the deal.
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