While choosing a bank may not sound like a big deal, you can benefit from putting some thought into the decision.

1. First, consider banks near your home, work, or school. If you need to get a cashier's check or complete other transactions in person, convenience will count.
2. Do you want to bank with a small, local bank, or a larger one with locations across the country?
3. Once you narrow down your choices, visit their web sites to see the types of accounts and rates they offer.
4.  Visit a branch or two in person and note if the employees are friendly, if the lines are moving quickly, or if people are in line out the door.
5. Finally, compare the different kinds of accounts, taking into consideration account and ATM fees.

The time you put into choosing a bank can make doing your banking easier, and save you a significant amount in fees and other charges.