13. Choose a Bank with Perks

Banks are in fierce competition with one another, which means you can shop every so often for a new bank account that comes with better perks, such as no ATM fees, no overdraft fees, starting money of $100 or high interest on savings accounts. Look at smaller banks' offers first, they are often more generous. If it's not in the brochure, ask them what they are prepared to do for account switchers.

Use Credit Cards and ATMs Sparingly
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