Older customers are being courted by community banks with perks like free tax and investment seminars, no-fee checking, social events, guided tours - and even free movies. The goal: to wean the seniors away from just savings accounts and into more-ambitious investment products and other bank offerings.

The programs, though, are no quick fix. They require intensive hands-on involvement and a lot of patience. But the banks that offer them are convinced they will yield long-term results in the form of increased investment business, either from the seniors themselves or their children and grandchildren.

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