Questions to ask the bank before opening an account
The current crisis and the lack of liquidity of banks make offers and savings accounts more attractive than ever. Making an offer without commissions and free cards is too easy to lose money each month. So, the first 2 questions are essential:
1. Do you have committees?
2. Does free cards?
3. Is it necessary household payroll?
4. Do I need a few household bills?
5. Are we forced to accept a minimum stay?
6. Do profitability SAD? Currently, there are accounts offering returns as high as deposits .
7. ¿Returns a percentage of the receipts? Oddly enough, the accounts of the receipts returned most common (electricity, gas, internet, mobile …) to eventually provide a higher return accounts with APR.
8. What if I get a bill when no funds? Is responsible for overdrafts? There are accounts on the market today that cover overdrafts up to 300 euros.
9. Is it possible to get an advance paycheck? Sometimes the bank, who knows what our fixed income, can offer an account that anticipates a portion or all of the payroll days before actually receiving it without any surcharge .
10. Do you have extras as gifts or discounts on purchases? is necessary to ask all the features of the product before signing the contract and all the things we can do (¿transfers?, debit ¿?, Do you operate internationally?) and Above all, the obligations that we are about to contract with the entity.