Bank Relationship Discounts: What Your Bank's "Special" Rate Really Costs You

Bank Relationship Discounts: What Your Bank's "Special" Rate Really Costs You

Douglas Wilkerson
Published on: 11/11/2026

A bank relationship discount is a real rate cut — off the bank's own retail price, earned by parking $250,000 to $1,000,000 with them. Here's the published math from Chase, Bank of America and Wells Fargo, and why shopping 200+ lenders beats it.

bank relationship discountrelationship pricing mortgageChase Private Client mortgage discountBank of America Preferred Rewards mortgageWells Fargo Premier mortgage discountmortgage rate shoppingmortgage broker vs bankbest mortgage rate