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If you travel a lot and need cash on a regular basis, you should definitely rate banks higher that provide this convenience in one way or another. Your bank should fit your needs, not the other way around. This can be convenient for one-stop shopping and banking, but only if the hours are a good fit. For each bank that you’re considering, take a good look at its fee schedule and think about what you’re likely to spend. Don’t plan to pay these, but do look into overdraft protection programs at each bank you’re researching. Keep your eyes open next time you’re shopping, and look for branches between home and work. A lot of us can let the convenience of location — or smart marketing, billboards and ads — do that work for us. Once you’ve made a plan for your financial needs, it’s time to think about your bank’s location. Don’t let location substitute for your research into all the areas we’re talking about: It’s important, but not the only thing that matters. What matters is what you need, not what they think you want.
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