Pros

No work on Sundays (yet)
Health plans available with options for vision and dental
Your paycheck will never bounce
Meet lots of new people in your community
Work close to home
Matching contributions on 401k (up to 6% of salary)

Cons

Branch hours increase every year, spreading your 40 hours over 6 days a week. Saturdays and holidays are no longer safe. Holidays being taken away include President's Day, Good Friday, and Columbus Day with more to come. Retail banks feel they need to compete with TD Bank, known for their incredibly long hours. Extended hours mean working parents will have a difficult time balancing responsibilities at work and at home.

Increasing pressure to "sell" financial solutions with little to no incentives paid. Incentives are calculated using a deliberately confusing formula. Areas that have nothing to do with sales may also have a negative effect on payouts. For example, if your customer service scores that particular month aren't perfect "7s" your sales payout will be dramaticly cut. Bad scores will hurt your incentive payout for many months.

Credits for sales and referrals are difficult to obtain and often go unrecorded because the new customer opens the account at a different branch or online. Office politics and favoritism are factors.

Increasing armed robberies in NJ. Most branches no longer have "bandit barriers."

Holidays (known as Paid Time Off or PTO) are approved by seniority. Newer employees don't always get popular holidays because senior co-workers have priority or the holiday is a "blackout" date like Black Friday. This is especially true if your branch is understaffed.

Advice to Senior Management

At present, you are in a race to the bottom, signing as many checking accounts as possible to increase revenue from fees. Differentiate yourself from your competitors. Focus on the quality of your banking services and the wealth of your clients instead of the quantity of cookie-cutter accounts you sell.