But not in this case, although I just copied the example, written in the textbook. Look for the text, written in bold. When the question "What would you like to do?" is asked, the command "cin.getline()" is ignored, so the char array "response" (in wich the response has to be stored) remains empty and the program ends (due to the return 1 in the else-statement).
cin >> moreBankingBusiness;
That's not removing the newline from the stream. Thus causing your getline() to immediately take an empty stream with just a newline char.
It doesn't use >> and it shows you how to use strings instead of character arrays. Better than both of your approaches. Also shows you how to convert types.