14. Overdraft Protection
For those of us who are mathematically challenged, or just a little scattered, overdraft protections might be a banking deal breaker. Generally there are three options: Default (the bank rejects your transaction), Overdraft Protection (funds are automatically transferred from a linked account) and Overdraft Coverage (the bank extends credit for the overage).
15. Credit Score
Keep in mind that banks track your spending habits based on credit and debit card transactions and this information can affect your credit score. You expect them to pay attention to bounced checks and overdrafts but, according to Bankrate, they can also track things like whether you just blew a week’s salary on makeup or if you’re making payments to a divorce lawyer, and adjust your credit worthiness accordingly.
