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财富家庭网> 阅读版面 > How To Make Your Decision
     
 
How To Make Your Decision
 
     
 
Making Your Decision
Before opening an account or changing to another type of account, first determine your needs then ask for information at the banks. Remember that the right bank account can make a difference to your balance.

Here are some things to consider:

  • Do you only want to build your savings? In that case, you may want an account where you will get interest.
  • Do you expect to do many transactions? If so, your best choice is likely an account in which you pay a flat fee service charge.
  • Do you want to use the account mainly for savings, but maybe write a cheque now and again? Your best choice may be a combination account for which you pay a service charge every time you write a cheque.
  • Will you make withdrawals and bill payments at your branch?
  • Will you use the ABM?
  • Will you use telephone banking?
  • Will you use Internet banking on your computer?
  • Will you use a debit card for purchases?
  • How many transactions will you do each month?
  • What will you pay in fees each month?
  • What type of records do you want to keep?
  • Do you need to have your cancelled cheques returned?
  • Can you keep track of your account activity with a basic bank book or a monthly statement?
Before you make up your mind, ask the bank for the best account for your needs.
Shopping For A Bank Account
STEP 1. DETERMINE YOUR BANKING NEEDS

Gather the information about your banking needs.

STEP 2. SHOPPING AROUND

Now that you have completed Step 1, take your checklist to a bank, or call the bank's toll-free information line. A customer service representative will tell you about the package that best meets your personal needs and how much it costs.

 

 
 

     
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