9. Transaction Limits
If you still pay your bills the old-fashioned way, love eBay, own a small business or simply do a lot of banking, it definitely pays to find out about transaction limits your prospective banks may have. Transaction limits usually have fees attached for exceeding them, so this is a biggie when it comes to how to coose a bank.

10. Federal Deposit Insurance
By now we all know that even the best banks can fail, so make sure your institution is insured by the Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA). The standard limit per depositor is $250,000 so if you’re lucky enough to have more than that, consider dividing it between different banks so you’re fully covered.