At my FI, if a client has a pretty good credit score and doesn't have one of our loan offerings on their account, the universal bankers are going to be tripping over each other to mention the pre-approval offer and try and get the client to sign it.

These pre-approval offers are actually a really great deal for the clients. They get a credit card or a line of credit added automatically, they only pay for what they use, and the added trade line helps shore up their credit score and gives them added flexibility if they need it.

The catch is that the client mentions putting in an application for any sort of loan, or asks if they have any pre-approval offers, we can't offer any of the pre-approvals. If they pepper the conversations with things like "I like to travel" etc etc then any of the universal bankers worth their weight will pull a pre-approval offer (as long as they have any pending)

So I haven't been to a branch of my own actual FI in years and my credit score is actually pretty good right now (~780). I'm not interested in doing any hard-pull applications, is it worth it to just go to a branch and do a very basic withdrawal and have a conversation with the teller/banker there and see if they offer me any soft-pull pre-approvals? Seems like a win-win to me, what am I missing?