Once you've squared away the safety issue, you can start looking at your bank (or prospective bank) with a new set of glasses.

Are you getting the services you need and deserve? Are you paying too much for these services?

To scope out services and fees, go to the bank and talk to a representative at a desk. (You don't want to establish your relationship through a teller's window; you want to sit down and talk with someone directly.) Tell them you want to open an account, and ask what services they offer and what fees they charge.

Take the best deal you can find (provided the bank passes the safety test, of course). If one bank is particularly convenient, but doesn't offer the best package, you can negotiate! Most people don't realize this, but it's true. Go back to the bank rep and say, "Gee, I'd really love to bank here, but I can get a better deal down the street. If you can match this, I'll bring my business to you."

Straight Talk Tip: All other things being equal, you want to go with the bank that has the lowest minimum balance requirement.

Smart Money Move: Don't order your checks from the bank–they always mark up the charge. Order direct, from someone like Checks in the Mail (800/733-4443) or Checks Unlimited (800/533-3973). You'll pay half the price and get exactly the same checks...name, address, bank, account number and all.

Bank Fees You Can Comparison Shop

There are some fees you can negotiate with your banker. Here are six such fees:

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