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5 Tips To Help You Choose The Right Bank

Opening your first bank account can be a huge deal if you think about it. Are you unsure of which bank to choose? There are hundreds of banks to choose from. This means that you should have a few things in mind before you choose one.
Here are some tips that you should know when choosing banks and institutions:

Legitimacy
This is probably the most important thing that you need to consider. Many new banks have cropped up and they offer great interest rates and other features. Such features can tempt you to open an account with them. But make sure that the bank is totally legitimate. This keeps your money safe. You don’t want them to suddenly close up and run away with your money.

Location
With facilities like online banking, you don’t have to visit your bank that often anymore. But you’ll need to visit your bank if you want to deposit cash. That’s the reason why most people look for a bank that has a branch that is near to their home or office. Having an ATM of your branch near your place also helps.

Branches
If you’re sure that you’ll never leave your city, then you can open an account in a bank that has only one branch. But if there’s a possibility that you will be moving from place to place, then choose a bank that has a number of branches in different cities, or even countries. This can save you a lot of hassle in the end.

Services
One of the most important things that you should consider when choosing a bank and institution are the services they provide. You might be planning to open a saving account for now. But in the future, you might need a home loan or business loan. You might even consider opening a fixed deposit account. All of these services can be easily availed when you’ve already got an account in that bank. So, check out the services that different banks offer.

Fees And Rates
The fees and rates of different banks differ. If you’re opening a saving account, compare the interest rates of all the banks. Most banks offer an interest rate around an average number. However, even a .5% difference can be huge over a term of 5-10 years. That’s dependant on how much money you have in your account.
Most banks don’t charge you anything as long as you’ve got an account with them with the minimum balance. Some can charge you for extra services they provide. This includes things like SMS alert etc. Look for these as well.
Choosing a bank and institution becomes a lot easier when you know what you’re looking for. If you’re someone who prefers one-to-one banking, then you should choose a small bank with a few customers. But if you’re someone who travels a lot and prefers banking online, then choose a bank that has a good online presence. This includes a good website and a reliable app.

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