Planning Your Financial Future
Selecting the right bank is not difficult if you know what to look for, and this is often one of the decisions newlyweds have to make immediately following marriage.
In choosing a financial institution, consider the availability and accessibility of the following services and products. A bank should be able to provide you with information concerning loans, mortgages, investments and retirement plans, as well has saving and checking procedures. A good bank should also feature a secure depository for cash and valuables, numerous and convenient locations throughout the city, a large lending and credit capacity. But most important, a bank’s areas of expertise should coincide with your individual financial needs.
Once you have selected a bank, you as a customer can do your part to help develop a positive, profitable banking relationship.
First, as in any business relationship, the more you know about your bank, the better you will be able to utilize services which are offered. Read brochures and, above all, don’t be afraid to ask questions.
It’s also important to develop relationships with bank personnel and officers for assistance in achieving your financial goals. Establishing regular contact with your account officer helps ensure that your bank is prepared and willing to move quickly when you need advice, products or services.
Finally, do your best to develop a good customer profile. Maintaining a good financial track record, in addition to planning ahead, will help you win points with your banker. After all, a good customer/bank relationship is built on mutual trust and confidence.