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After all, young consumers would rather tap a screen than engage with a teller.

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The problem with that assessment is that the data just doesnt back it up.

Most institutions offer a complimentary review of your account, Torres said.

Depending on your financial needs, your financial institution is there to assist you, Torres said.

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Use them as a resource, early and often.

Most institutions offer a wide range of investment services, Torres said.

Ask the team at your bank or credit union what they offer.

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A credit union tends to offer the same products and services a bank does, Torres said.

However, a credit union will typically offer better rates and lower fees than a bank.

Thats because credit unions are member-owned nonprofits and banks are for-profit private-sector companies.

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