Are you tired of living without a checking account, or are you just ready to switch to a new bank? In either case, you can open a new checking account with a different bank, and you can choose the bank. You should thoroughly analyze your options before opening a new account and ask the right questions. If you are not sure what to look for in a bank account, asking the following questions might help you know.

Is the Account Really Free?

You can find checking accounts at most banks. Some banks offer free accounts, though, while others do not. If you find one that advertises "free checking accounts," you should ask if they are really free. Some banks may have hidden fees or requirements you must meet for the accounts to be free. Asking about this is the only way to find out the fees involved with an account. Keep in mind; all banks charge fees for specific things, such as overdraft fees.  

Do You Require a Minimum Balance?

The next thing to ask is if the bank requires a minimum balance. You can find bank accounts that require $100 minimum balance or much more. You can also find accounts that do not require keeping a minimum balance.

Do You Have a Limit on the Number of Transactions?

Next, ask the bank if there is a limit on the number of transactions you can have each month. You might find that some banks limit you to five or ten transactions a month. If you go over this, you might have to pay fees.

Are There Free ATMs in the Area?

It would also be helpful to find out if the bank offers free ATMs in your location. Your bank might not have any ATMs itself, but it might allow you to use other bank's ATMs for free.

What Mobile Features Do You Offer?

You might also want to inquire about the mobile features the bank offers. Does the bank have a mobile app? Do they offer bill-pay services? People today love mobile features, so make sure you ask about these.

Do You Have Any Current Incentives?

The last thing to find out is if the bank has any current incentives to take advantage of if you open an account. By asking this question, you can learn more about the perks of opening an account with this bank. Talk to a bank of your choice to learn more about opening a new checking account.