How to Save Money with Your Bank
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How to Save Money with Your Bank
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Home Page > Finance > Banking > How to Save Money with Your Bank
How to Save Money with Your Bank
Posted: Apr 29, 2012 |Comments: 0
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With the fast growth of the Internet, many consumers are finding out that they have a lot of choices when choosing a bank. Since bank fees have become a hot news story lately, many often wonder if they have the best bank account. Before you set out and choose a checking account with a bank, you’ll find that it doesn’t hurt to compare. Since there are several banks out there that want your business, it’s essential that you’re picking the one that’s best for you.
Many checking and savings accounts are packed with unnecessary (for you) fees. Since you have the freedom to decide where you want to bank, you should try to avoid as many of these fees as possible.
Listed below are a few fees that you’ll want to look out for:
Monthly Fees: This is a fee that is going to be charged each and every month. While some banks will waive this fee if a minimum balance is met, it’s best to save the headache and find an account that has no monthly fees at all. Since you want to save money each month, why give the bank fees just for holding your money?
ATM Fees: The ATM is a great machine to use when the bank is closed or you just need quick cash. Sadly, some banks charge their customers when they use an ATM outside of their network. Many online banks will reimburse their customers up to a certain amount of transactions each and every month. The nice thing about this is that you can choose any ATM you want, and you won’t have to worry about paying the fees.
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Overdraft Fees: Overdraft fees are in your control. This is when you withdraw money that you don’t have. Every transaction that you attempt while your balance is in the negative, the bank will apply a fee. This fee can range anywhere from $20 to as much as $30 per transaction. Accidents happen and just make sure your bank isn’t charging astronomical overdraft rates.
How to Choose a Bank
Now that you know three of the most common fees that banks usually charge, the next step to take is choosing the best bank. There are hundreds upon hundreds of banks out there. The last thing that you want to do is sign up with a bank that has no fees, but then find out down the road that the customer service is atrocious.
When choosing a bank, here are some points to consider:
– If you are going to want a bank with a brick and mortar location, make sure that it’s convenient. Also make sure that they have decent hours. Many banks close early on weekdays and some aren’t opened on weekends.
– Try your best to find the highest interest rate in your local area and online. Many have the misconception that checking accounts don’t pay interest rates.
– Smaller locations are often customer friendly. Due to the size, they will quickly get to know you by name. If you love the personal feel, consider a small town bank.
-If you are really trying to save money, then ask about deals, discounts or perks for starting a new account. You may be able to order personal checks cheap, receive extra money from the bank or get tickets to a show. It never hurts to ask.
By taking your time and researching a handful of banks in your local vicinity, you’ll quickly find an account that isn’t so heavy on the fees; and gives you the type of service you prefer. Remember, there are hundreds banks out there yearning for your business. It’s your duty to find that bank that fits like a glove.
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About the Author:
Bradford Exchange Checks focuses on the selling of personal and business checks at deep discounts versus banks. We also believe in helping people save money anyway they can. Buying checks online is one way to do this, but you can also find big savings by carefully managing your spending and understanding how you spend money.
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