HOW TO CHOOSE A BANK

STEP 1: Consider a bank that is convenient to your everyday activities. Look for banks that are easily accessible as you drive to and from work or while you run your usual errands.

STEP 2: Check out different banks' Web sites. There you can get a good idea of the types of accounts, available services and rates offered before you set foot inside a branch office.

STEP 3: Think about what is most important to you in a banking relationship. If you want to be able to develop a personal, long-term relationship with a bank, a smaller, local bank might best suit your needs. If you travel frequently and need access to branch offices while you are out of town, consider a regional or national bank.

STEP 4: Consider how you will be banking. If online banking and ATM banking interest you, select a bank that offers those services.

STEP 5: Visit the branch office where you would be conducting most of your banking business. Are the tellers professional and friendly? Are the account officers and/or managers accessible? Are the hours of operation compatible with the hours when you will do your banking?

STEP 6: Compare interest rates and service charges among banks to make sure you're getting the best deal.

STEP 7: Find a bank which offers direct deposit loan. Just like cash advance and payday loans this is a cash loan issued by your bank until your next payroll comes in. These fast money loans can really help you if you are in tight spot.