Actually, my experience with Citibank is that they pretty much do hand out accounts on street corners. I can remember more than one occasion when I've been pounced on and hounded by their sales people while walking through an airport minding my own business.
Any organisation that feels they need to conduct business in that manner I stay well away from!
My new approach to them is try to keep my distance and avoid eye contact at all costs
I've never been canoeing before, but I imagine there must be just a few simple heuristics you have to remember... Yes, don't fall out, and don't hit rocks.