1. Assess Fees and Charges

   • Look for monthly maintenance fees, ATM fees, and transaction charges.

2. Interest Rates

   • Compare interest rates on savings accounts and loans to maximize earnings and minimize borrowing costs.

3. Account Types

   • Ensure the bank offers a variety of account types that fit your needs (checking, savings, CDs, etc.).

4. Online and Mobile Banking

   • Check for a user-friendly online platform and mobile app for convenient banking.

5. ATM Access

   • Confirm the availability of ATMs in your area and any associated fees for out-of-network usage.

6. Customer Service

   • Research customer service reviews; consider availability for in-person, phone, and online support.

7. Security Features

   • Look for safety measures such as two-factor authentication and theft protection.

8. Branch Locations

   • If you prefer in-person banking, ensure there are branches nearby.

9. Banking Tools and Resources

   • Seek out budgeting tools, financial planners, and educational resources offered by the bank.

10. Reputation and Reviews

    • Research the bank's reputation and read reviews from current customers.

11. Promotions and Bonuses

    • Some banks offer incentives for opening new accounts; investigate these offers.

12. Regulatory Protection

    • Ensure the bank is FDIC-insured for safety on your deposits.

13. International Services

    • If you travel frequently, check for foreign transaction fees or services like international wire transfers.

14. Loyalty Programs

    • Some banks offer rewards for account usage; consider these if you use banking services frequently.

15. Long-term Relationship

    • Assess how well the bank supports your financial journey over time (loans, mortgages, investment services).

By keeping these tips in mind, you can make a more informed decision when choosing a bank that best suits your financial needs.