Banking relationships are largely based on trust. People rely on banks to keep accurate records of their transactions, secure their deposits and provide reliable advice. However, there are times when you shouldn't take that trust too far. In fact, there are times when you should completely disregard what your bank says. Banking is just like any other retail business: Banks are trying to sell you something, and the sales pitches only intensify once you become a customer. Retailers know that repeat customers are a great source of business, and banks in particular know that once they have your attention, it is easier to get you to bite on all kinds of additional products and services. Sometimes this is helpful. Over time, you may need a variety of banking services, and it can be convenient to do your banking with one company. At other times though, what the bank is pitching is designed to get new fees out of you for products and services you don't really need, or to squeeze fees out of you for services you are already receiving. Those are the pitches you need to resist. Here are five instances when you shouldn't necessarily listen to your bank.