"Hello. May I help you?" an older, slender woman with gray, well-coiffed hair asked, looking down her nose at me.

I looked around the bank. Other than a few employees trying to look busy, I was the only one there. "Yes. I'd like to open a checking account."

The woman's name tag stated that her name was Estelle. She smirked. "Would you like a savings account, too?"

I cleared my throat, determined to stand my ground. "Yes, as a matter of fact, I would."

The ...