Your Guide on How to Get the Best Bank Rates and Lowest Bank Fees plus Your Guide to Understanding Banks, Financial Products and Services.

So you need a Savings Account? A Checking Account? A Credit Card? A Mortgage? A Home Equity Line? A Certificate of Deposit? Do you understand everything you need to know about these products to make the right choices?

You know you want the best loan rate, the best CD rate or the best mortgage rate, but do you know how to find it? What can you do to ensure you get the best rate?

Banking, ah the joys… and the fears… and the frustration… and the fees. Here’s the thing; most of us in this world, even the independently wealthy we may envy, need bank services in one form or another. Some of us consider it a necessary evil and just try to get by. Others understand the services, make the most of them, and get everything they need from their banks, credit unions or other financial institutions. So, the question is, how do we get into the latter category, where banking is meeting our needs and making us happy?

The problem is, many people assume that one bank, because of its size, can meet all of their needs. While the large bank CAN provide the products you need, most people pay fees that could easily be avoided if they had chosen their products more carefully. Sometimes that means finding a different bank or credit union to meet those same financial needs.

The large bank may not take the time to sit down with you and discuss your needs to make sure there is a good fit. In such cases you can easily be mislead to chose an account that has fees, whereas another account could easily meet your need and has no fees to worry about.

With just a little bit of research about the types of financial products and services, you will be in a much better position to know what fees are acceptable and which fees you can avoid. You’ll also be able to understand how the interest rates work and be able to read between the lines when a bank is offering an unbelievable interest rate.

This site is designed to discuss the different types of bank accounts and services you can get for almost any need. We’ll talk about what bank rates and bank fees you can expect and what bank fees you can avoid. We’ll solicit your input as well, as we feel that your own experiences can help others as they try to make their way through the overly complex myriad of financial services offered by banks, credit unions, investment companies and more.