Wow. That takes some guts, to outright refer business to a competitor of the company issuing your paycheck. I hope XYZ Bank has a job opening, as it will be in demand sooner rather than later by at least one CSR.
As far as only stepping inside a bank for a shop... I wish I was at that point. My "bank" is a credit union that AFAIK is not shopped, though almost all of my transactions take place at the ATM (deposits of cash and checks, and larger cash withdrawals) and the remainder (smaller/odd amount cash withdrawals) are done as debit card cash back at the grocery store.