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Ive had people accuse me of having some secret, bank employees only account, she said.
But the truth is, Im just trying to figure it out like everyone else.
Well, I have a little bit of an advantage!
Heres how one bank teller chose her checking account.
Also, here are some of the best checking accounts in 2024.
Minimal Fees Were Non-Negotiable
Rachael is clear that the No.
1 factor for finding a good checking account is one with low to, preferably zero, fees.
For example, overdraft fees how bad are they and can you get rid of them altogether?
I wasnt messing around I said no fees, I meant no fees, Rachael shared.
I chose a bank thats part of a large ATM connection, she said.
Its not just about having ATMs near your home or work.
And let me tell you, not all banking apps are created equal.
Some are like stepping into a time machine back to 1995.
She tested everything before she signed up.
Some banks will let you look at how their mobile banking works, she said.
Instead, I chose a checking account with the features I wanted.
That said, she made sure her chosen bank offered competitive rates on savings accounts and CDs.
That way, I can easily transfer money to higher-yield accounts when I need to, Rachael explained.
I chose an account that lets me link a savings account for overdraft protection, she said.
She also appreciated that her chosen account allowed her to opt out of overdraft protection entirely if she wanted.
Always do the math.
Trust me when I say its important.
Rachael reminds you to shop around, ask questions and think about whatyouneed.
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