Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Is threatening to close the account a good way to negotiate with the bank?
To avoid going on and on in the comments I'm going to add this point that seems to be missing from the other answers. "Banks often offer me deals while negotiating to open an account (since they are under high pressure to open an account)"   Would these happen to be the regionally advertised account opening deals like a $200 new checking account bonus if you deposit at least $x and leave it for at least 90 days?  This kind of deal is not unique to you.  This is not offered to you because of your unique negotiating ability. You need to understand the authority of the person you're dealing with.  Products are designed in the corporate arm of the bank.  Once a product is ready, it's rolled out to branches to be sold; sometimes with some fancy sign-up bonus.  A checking account is a product, just like an iPhone.  Apple took the headphone jack out of the iPhone 7, no amount of negotiating with the Genius at the Apple store will put it back for you. Vote with your wallet, show the bank you're unhappy by leaving.