Recruiter calls you & phone interviews you first. Than a week or 2 later you get invited in for an in person interview with manager. Can take longer as recruiters are slow & now many roles have been eliminated so now it's the managers doing the recruiting. If your liked than they ask you to come back maybe a week out to meet the district manager. Than they just set the tone for you as in what they expect from their bankers & maybe ask you a few background questions, but once your here you most likely going to be on board. Unless you say something completely wrong, than you just shot yourself in the foot.