If you meet face to face with a bank while attempting to get a personal loan, here's a suggestion. Handle the meeting professionally -- make an appointment, show up on time and have a personal demeanor throughout the meeting. You should tell a prospective banker what benefit your personal brings to the bank in terms of average balances in checking accounts, savings accounts, and present and future financial needs. You should also ask them questions to see if you think they are the right people to handle your account.