6. Linked Accounts

You can add a considerable amount to the convenience of your banking when you have linked accounts. Find out whether it is possible to link your savings account to your checking account. In some cases this can help you in an overdraft situation. You may have to pay a transfer fee of but that is usually better than paying an overdraft fee.

 Linked accounts can also make it easier to make credit card payments and set up automatic transfers so that you can easily move money from your checking account to your savings account. Try to get it done by your banks.

7. Online Banking

Having access to your account information whenever you want it, along with the ability to manage your transactions and schedule transfers, is a huge advantage. Find out if your bank offers online banking, and whether a fee is charged. Most banks these days understand the desire for online banking, and provide it free of charge.

You can also find out whether your bank offers mobile banking, so that you can use your phone to access your account. If convenience is important to you, online and mobile banking are definite requirements.