In the spirit of "getting real with Gen Y," I decided to put a little twist on the Gen Y Back Talk column. Instead of using this space to vent some of my rants and raves, I polled some of my Gen Y peers. There is no better way to get into the minds of Gen Y than to simply ask them what they think. I asked some Gen Yers three questions I think are important when it comes to understanding how to get new members: What is your primary financial institution? Why? And what would make you switch financial institutions?

My primary financial institution is Wachovia. I have a savings and a checking account there, as well as a Wachovia credit card. I chose Wachovia because it was close to where I live at home, so I could easily get there to withdraw money and make deposits. They also have a program for free student checking accounts.

One reason I might be convinced to change banks is the operating hours. My Wachovia branch closes at 3 p.m. on weekdays, is only open until 12 noon on Saturday and closed on Sunday.