Banks and banking institutions are not going to give you a better deal, you have to find the best deal.

1. A person price shops for banking, like they would to buy a car or any one thing they would then buy or forward funds.

2. After "buying", the marketplace can change and with new or better banking options so this "shopping" involving banking is not a one time thing. Go over your banking so your funds are as they should.Keeping up on new offerings from banks for better deals like we do at the forum to be positive are gettingthe best deal. Do a financial check up typically to find if in comparison you can get a better deal. As you know, A person should check their banking activity every 3 years to find if they can better their finances. If a person is not doing 1) and 2) they are probably not doing proper banking, and a review of banking may be relevant or of interest to go over. And should find what deals are available at other banks for things like getting a larger interest rate % on savings, maybe a lower % on loans or fees charges on this or any banking activities and better your finances in not wasting funds. "Make your funds work harder for you, so you do not have to work as hard for your funds"

3. The business or person first choose the proper bank product meaning a savings account for savings, a checking account for to make payment on things not paid hand to hand with the seller/other party or for the proper type of loan an auto loan for an automobile and a home loan also called a mortgage for a loan to buy a home.Also, some savings accounts can have check writing, and, some checking accounts are free and pay a higher % interest rate than savings accounts. Also/or some nondescript loan type can be used and not just "an auto loan to borrow to buy an auto" but to use a more nondescript or a different type loan than would be readily apparent. So, it pays to go over all the banking products available in the marketplace or at per bank.In/as going over the different bank products/what type of account to place funds in or pay funds toward,

4. A person or business goes over the % to pay or receive and the fees involved, for the properly identified bank product in trying diligently to find if more than one bank product would be relevant and if more than onetype of bank product then the % to pay or receive and the fees involved, per bank product type. Comparing and so at more than one banking institution the % to pay or receive and the fees in asking this data per banking institution or having this data per banking institution.

5. In doing this data collection to comparison shop, a person then compares this data as what banking they are doing at this time, refinancing or anything similar if available as to what they are doing. Not typically will a bank renegotiate lower fees on checking what have you and this different from other types of businesses. The party then doing their transaction with the top pricing they find available.

Banks and banking institutions are not going to give you a better deal, you have to find the best deal.How to choose a bank to bank at is to find the bank with the best financial deal to find the most profitable to you bank to do the particular banking activity at. You are comparison shopping as to in doing steps 1) to 5). Identify the most profitable bank for you per banking activity, after find the most profitable bank you then do your banking at this one bank. And as noted, finding a bank is not a one time thing! you then have to review all banks for the most profitable every several years if not more and if another bank is more profitable you then move your banking at this time.

Also, Identify the most profitable bank for you per banking activity, and so may have one bank where you have a savings account, one bank where you have a home loan and yet another bank where a car loan. DO NOT make the error of doing all banking at one bank if as typically this is not most profitable for you to do so.

When you do find the most profitable bank for you for more typical things like checking and savings accounts, DO NOT make the error of "just staying at the same bank". This is a costly error and you then will not have a much money as you would and to open and close bank accounts could not be easier to do. You have to then be responsible for your funds and comparison shop the banks in reviewing your banking activities every 3 years then if not more after opening any bank account and if another bank is more profitable at this later time you then do your banking where it is most profitable for you to do so and move move your banking to this new location. Banking is not a one time thing but a thing to review typically as long as you have your funds and place your funds and do banking where it is most profitable for you to do so over time in comparing the different banks %'s and fees of per bank of several banks or more and over time. Last sentence