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We often make decisions impulsively, without thinking too much on what we want and without regard to other options, the guidelines and criteria, we base our decisions with. We can always gone on with this small decisions like the decision on the taste of Starbucks coffee, we want, whether it is decaf or not, medium or large, with or without cream and many other trivial options.

That's okay, but that is not applicable when we consider whatrelate to the financial aspect of our lives - financing, refinancing, mortgages, insurance, investments, and yes, even the choice of the bank where we could save our money to save. Here are some guidelines you need to consider if you want to invest part of your money in banks:

1. Location. In selecting banks, you need their locations into consideration. If you see, visit your bank or banks at regular intervals, it is the best way would be to look for the nearest bankgo where you lead your company or in your house.

2. Accessibility of ATMs. Choose a bank with which a sufficient number of its ATMs are accessible to you.

3. Regarding point 2, verify the functionality of the ATMs. Check whether it has the following characteristics: - Do the banks' ATM machines allow deposits to be made in it? - Do the banks' ATM machines print statements on your accounts as your available balance, etc.? - ThuATM banking machines allow a client order with a checkbook?

4. Telephone banking. If you are one of those people who can not go to the banks during the opening times of the bank, then one of the functions that you have to enter the banks, the availability of telephone banking service is sought. With this you can make queries and transactions in your bank anytime, anywhere in the rule 24 / 7 all year round. Telephone banking you can do some of these transactions in your bank: - Transfer money from your accounts in yourBanks to pay your bills - telephone banking in the banks allows deletion and modification of existing orders - Check the balance on your account - telephone banking in the banks, you can apply to other products or services of banks

5. Internet banking. Internet banking functions in banks may also be offered the following benefits of telephone banking, where transactions and inquiries can be conducted over the Internet through the Internet portals of the banks.

If you are a businessPerson, and you must have a bank or bank for your small business, here are some other aspects and guidelines are used in the selection of the right bank / banks for you:

1. Apart from the first general considerations on the situation of the banks, you need to consider whether the nature of the transaction, the banks are involved in. They understand

2. Consider also if some of the banks to be able to help you with a lot of managers / executives in the bank.Can easily be treated in this way problems associated with your business banking needs.

3. Check banks, the SBA - Small Business Administration - loans. This can help, you should create different needs in your company that you will enforce a loan.

4. It is good to banks, where the cap is holding more than six percent. This will ensure you that the banks you work with the will still be present while you are still in business

5. Consider theCompetitiveness of banks, by how much they require for each transaction that you make.

6. Apart from these, check the competitiveness of the interest and other fees that come with your credit card.

7. Check the rules on the balances for checking accounts bear the interests.

8. Check that you are superior to the banks members of the FDIC - Federal Deposit Insurance Corporation and the Federal Reserve Bank, and finally

9. Look for the banks,who are able to service that need you and your company ahead of time.

Keep these in mind when the right bank / banks, and ensure you'll never go wrong. Good luck!

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