Tip Sheet

1. Use the cash back option when you use your debit card at a store: you don't get charged for an extra transaction

2. If your bank operates too few ATMs near where you live and work, switch your account to a bank with better access

3. If your banking needs are minimal, ask about low-cost accounts. Many banks have them

4. Ask your bank if they can lower or waive your fees. If not, shop your accounts around

5. Read your statement every month. If you notice a fee there that doesn't belong, complain

6. If your fees or services change, you have 90 days to complain, and the bank will reimburse you

7. Compare management fees when buying mutual funds, and ask about low-fee funds. The impact on your investments can be significant

8. If you have been a loyal bank customer, point that out when negotiating fees, services and products