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Finding the Right
Bank... Page 2
continued
2) Convenience
- Does the bank offer online services?
- How many branches does the bank have?
How close is their nearest branch to
your home? Your work?
How many ATMs are in the bank's network?
Are the bank's hours flexible enough for
your schedule?
Are their branches co-located in
convenient spots like supermarkets or malls?
3) Size
- Do you want a small neighborhood bank where you'll more likely to be remembered?
- Are you willing to forego lower costs
for better service?
- In terms of service, how do large banks
compare with smaller ones in your local area?
4) Fees
- Are there flat fees for checking?
- Is there a fee if your balance drops below a preset level?
- ATM usage fee? Fee for using ATMs outside of the banks network?
- Balance inquiries.
- Per-check fees.
- Overdraft protection.
- Bounced checks.
- Canceled checks.
- Closing your account.
- Are any fees waived if you set up a direct deposit with your paycheck?
- Are any fees reduced if you open up more than one account with the same bank?
- Loan application processing.
- Safe deposit box rental.
- Debit card use.
- Check fees.
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