2. Considerations: Size of institution Location Years in business Rates of interest Availability for emergencies

3. Considerations: Types of checking accounts Monthly service charges Insured Convenience for making deposits & withdrawals / cash machines Personal services

4. Considerations Cont. Atmosphere & community support Fees Types of loans offered Checkless transactions When deposits are available to you Direct deposits/withdrawals

5. Expenses: Overdraft fees Stop-payment fees Return check charges ATM charges Replacing a lost ATM card Account balance statement

6. Expenses cont: Debit card fees Closing an account within the first year Inactive accounts Too many withdrawals from savings account Automatic transfers from savings to checking

7. Expenses cont. Using counter checks Visiting a safe deposit box too often Depositing bags of coins - lost coins Teller assistance Getting a check certified Traveler’s checks fee