When Richard Attenborough famously played Santa in the iconic Miracle on 34th Street he referred Coles' customers to other department stores where things were cheaper or better. It worked for them, so perhaps it can work for the banks, and indeed for all businesses.

If you are not the right person for a prospect, may I suggest you refer them to someone you know who is more appropriate. At the time they then need your services, they are highly likely to remember your good deed and come back and talk to you.

I hope this helps