Start your search by getting recommendations from your family, friends, neighbors, and coworkers.
Questions to ask a bank or credit union:
- Do you offer free checking accounts?
- Do you offer free savings accounts with interest? What is the interest rate?
- Is there a minimum amount to open a checking or savings account and do I have to keep a minimum monthly balance in there?
- Do you offer free checks and any kind of protection for bouncing a check? What is your fee for bouncing a check or having insufficient
- Where are you located and do you have other branches nearby? What are your hours?
- Does your branch speak languages other than English?
- Where are your closest ATMs and is there a fee to use them? Is there a fee to use other ATM's?
- Do you offer a debit or credit card with checking accounts? Are there fees with those cards?
- Do you offer free direct deposit?
- Do you offer free online banking?
- Do you offer car or home loans?