While I'm not usually a fan of children in advertising, the little girl shown here makes the spot work (you get the feeling they cut away right before she started crying). A nice, simple idea that makes a point about a bank I've never heard of but would like to know more about.
Bank of America could never pull this off because...well, they've got no soul.
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The one with the truck is good too. The kid is given a cardboard cut out and he has this look of "this sucks!"
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