7 questions to ask yourself before choosing a bank
Looking for a bank from which you can open an account? Student or young active, business or retired, your expectations are not the same! Before signing, it is therefore necessary to ask the right questions. Editus tells you more!
What are my needs?
If an offer may seem more than adequate, however, avoid going headlong.
It is better to compare the products and services offered in different banking institutions.
To you, too, to see what is your real need: save , manage a checking account , regularly withdraw money, etc. ?
Depending on your profile, you prefer the bank that can meet your expectations, obviously taking into account the price / quality ratio.
Is there a management fee?
Some banks charge you for having an account, while others offer this service for free.
What about interests?
See if the bank to which you make your choice offers interest income .
Also ask if you will have to pay interest charges if the balance in your account is negative.
Are borrowing rates competitive?
Even though contracting a loan is not on the agenda, you may have to make one in the years to come.
For practical reasons, you may want to do it in your bank. Find out about the different loans available before choosing your bank.
Several cards, more fees?
It is possible to obtain several debit cards, but also credit, linked to a single account.
Nevertheless, some banks require additional fees if you want more.
I want to manage my accounts on the Internet?
From now on, the vast majority of banks can consult and manage their bank account from their home. Find out about this.
Also ask if the online platform is accessible via smartphone and tablet , it will simplify your life.
An online bank or a traditional bank?
Online banks are becoming increasingly appealing as bank charges are much lower and, in general, it is possible to reach a counselor until very late at night.
On the other hand, the downside, you will not have a dedicated advisor , and you will need to be autonomous to manage your account remotely.