Is relationship banking dead? Phoned to close @BMO @MasterCardCA account, reversing $10 activity fee on a card I don’t use. Back in mBanx days, the credit card was issued to me as an additional ID when I left my debit card in an ATM right before leaving for China. I still have banking and loan accounts with BMO, so this isn’t about me, it’s about silos building up into bureaucracy.