The ads that banks and thrifts place on the radio tell a lot about the character and tone of the individual bank and leave an impression about the industry as a whole.

Television ads are expensive to prepare and to run, so most institutions take a lot of time in developing them. But radio is easier. It has far more stations than television, so the commercials can be used to target a small area at a reasonable price per potential customer. So the radio airwaves are saturated with bank ads, many of which are intended just to get the bank's name across rather than pitch any specific product.

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