6. Fees
Every bank has fees, though what they charge for, how much and how transparent they are can vary quite a bit. It pays to do a little homework and comparison shopping. NerdWallet has a handy tool that allows you to compare account fees and features for most U.S. banks.

7. Consider a Credit Union
You may find that a credit union would be a better option for your needs. Because they are nonprofit, credit unions tend to charge lower fees, have better interest rates and account holders have a say in how they are run. Unlike banks, credit unions are based on group membership, so your ability to join is based on your membership in a community, employer, or association.