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NEW! - Keywords For This Page:   Finances - Accounting - Credit Cards

Choosing A Bank And Credit Card


Feel free to use this tip sheet / checklist as you tackle your own ""do-it-yourself"" organizing projects. If you would like to REPRINT or DISTRIBUTE this information, please click here for reprinting instructions.


AUTOMATED TELLERS

  • How many ATM's does your bank have?
  • Where are those ATM's located?
  • Do they have agreements with other banks allowing use of their machines?
  • How many 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?

CREDIT CARDS

  • 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?
  • 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?
  • Do you offer a payment grace period before charging interest? How long?
  • Do you charge a transaction fee for a cash advance?
  • Are there any other service charges?

FEES

  • What kind of monthly service charges can I expect?
  • Do you charge fees for writing or cashing many checks in a month?
  • Do you charge fees for making counter deposits? How much?
  • Do you reduce your monthly fees for direct deposit?
  • Do you reduce your monthly fees for electronic banking?
  • Do 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 cancelled checks back?

INTEREST

  • 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 banks that calculate only monthly or on your lowest balance

MINIMUM BALANCE

  • How much do you need to open an account?
  • What balance must you keep to avoid a fee?
  • What is the fee if you go below that minimum?

SERVICES

  • Do you offer overdraft protection? What is the fee?
  • Do you offer traveler's checks? What is the fee?
  • Do you offer online banking? What is the fee?
  • Do you offer automated bill-paying? What is the fee?
  • Do you offer money orders? What is the fee?
  • What other additional services do you offer?

 


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