With financial institutions behaving so irresponsibly these days, it’s tempting to just keep your cash in a sock under the mattress. But with a little research, you can find a reliable and affordable bank that provides the services you need to manage your money and organize your finances.
how many automated teller machines does your bank have? where are they located?
do you have agreements with any other banks allowing use of their machines at no cost?
do you reimburse other banks’ ATM fees if I use an out-of-network machine?
how many free in-network ATM transactions are you allowed in a month?
is there a fee if you go over this number? what is the fee?
is there a fee if you use out-of-network machines? what is the fee?
can you have an ATM card that is a check card? one that isn’t?
do you offer free checks? how many books and how often can I order?
what kind of monthly service charges can I expect?
do you charge fees for writing or cashing a large number checks in a month? how many?
do you charge fees for making counter deposits? how much?
do you offer free online account access? free online bill-pay?
do you offer free overdraft protection? can you draft from my savings account or credit card?
can I automatically link my checking and savings accounts?
do you offer interest-bearing checking accounts? at what interest rate?
how do you calculate interest on my account? do you compound interest on my daily balance?
note — beware of banks that calculate only monthly or on your lowest balance
what is the annual percentage rate (APR)? what is the interest rate?
is there an annual fee? will you waive it for new or long-time customers?
can I carry a balance? or do I have to pay the card off each month?
what is my credit limit? how often can I have it increased?
does your card offer any rewards (cash back, frequent flyer miles, etc.)?
do you charge a late payment fee? can I set up automatic payments to avoid this fee?
do you offer a payment grace period before charging interest? how long?
do you charge a transaction fee for a cash advance?
do you charge a foreign transaction fee?
do you charge an over-limit fee? will you automatically deny additional charges to avoid this fee?
are there any other service charges?
do you reduce your monthly fees if I keep a certain minimum balance in my account?
do you reduce your monthly fees for direct deposit?
do you reduce your monthly fees for moving to electronic banking?
do you reduce your monthly fees if I have a loan with you?
do you reduce your monthly fees if I have multiple accounts with you?
do you reduce your monthly fees if I don’t get my canceled checks back?
do you reduce your monthly fees if I swap my paper statements for electronic?
how much do I need to open an account?
what balance must I keep to avoid a fee?
what is the fee if I go below that minimum?
do you offer traveler’s checks? what is the fee?
do you offer money orders? what is the fee?
do you offer notary services? what is the fee?
do you offer certificates of deposit, money markets, or other savings vehicles?
what other additional services do you offer?Click here for reuse options!
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Ramona Creel is an award-winning 15-year veteran organizer and member of the National Association Of Professional Organizers. As well as having birthed “The A-To-Z Of Getting Organized,” Ramona is also the author of “The Professional Organizer’s Bible: A Slightly Irreverent And Completely Unorthodox Guide For Turning Clutter Into A Career”—and the creator of more than 200 “quick-start” business tools and templates for use by productivity professionals. She writes seven different blogs, has worked with hundreds of clients, and has delivered scores of presentations on getting organized. Ramona resides on the roads of America as a full-time RVer—living and working in a 29-foot Airstream. Learn more at and RamonaCreel.com.
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