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Before You Open a Bank Account.

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You may be considering opening a new bank account for many reasons. This may be your first checking account or you may be moving to a new area and so you need to find a new bank. Here are five things you should consider before you open your banking account.

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Choose the Right Bank

You should look at several options before you determine which bank is the right one for you. If you travel a lot with your job, or just for fun, you may be better off going with a bigger banks that is located all over the United States. This can save you money in ATM fees. If you do not plan on traveling much you may find the products and customer service at a smaller bank a better fit. If you qualify for a credit union, you should take advantage of it. Credit unions offer higher interest rates on savings accounts and lower interest rates on loans. Generally the fees are much lower at credit unions as well.

Choose the Right Account

You can look online at the minimum balance requirements and fee schedules for the different accounts offered through several banks. You need to determine if you can afford a minimum balance requirement and decide how much that is. There are several advantages for being able to maintain a higher minimum balance, you may be able to avoid monthly banking fees, earn higher interest rates and avoid fees for money orders and travelers’ checks. However, if you choose an amount that is too high, you will be charged fees for being under the limit.

Read the Fine Print - Читайте Мелкий Шрифт

Additionally you need to read the fine print of any conditions and terms that go with your account. Many accounts will limit the number of debit card transactions or the number of checks you write. There may be charges associated with online banking or bill pay. You need to understand all of the charges and limits before you set up the account. Some people choose to have accounts at multiple banks to keep their business and personal expenses separate or so they can qualify for a loan at a different bank. If you do this you will need to be careful not to overdraw an account.

Find Out What Happens if You Make a Mistake

Consider your overdraft options. You should keep a running total of your checking account, so that you never overdraw, but mistakes do happen. You need to understand what happens if you do overdraw. Many banks allow you to set up an automatic transfer from a savings account to your checking account when you overdraw. Others offer an overdraft line of credit with a transfer fee. Then you pay interest on the amount you transferred. Other banks allow you to go into the negative, but charge you a fee for each item they pay while you are overdrawn. You should avoid this type of protection, since it is quite expensive.

Open a Savings Account

You may want to set up a savings account at the same time. This will make it easier for you to save money on a regular basis. You can also set up an automatic transfer once a month. If you do it on payday, you will never even miss the money that you transfer over. You will be surprised at how quickly this money will start to add up.

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