Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. Relationship-based ads and online behavioral advertising help us do that. We strive to provide you with information about products and services you might find interesting and useful. Programs, rates, terms and conditions are subject to change without notice. Credit and collateral are subject to approval. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. (MLLA) and/or Banc of America Insurance Services, Inc., both of which are licensed insurance agencies and wholly-owned subsidiaries of Bank of America Corporation.īanking, credit card, automobile loans, mortgage and home equity products are provided by Bank of America, N.A. Insurance Products are offered through Merrill Lynch Life Agency Inc. Both are indirect subsidiaries of Bank of America Corporation. Trust and fiduciary services are provided by Bank of America, N.A. MLPF&S makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation.īank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation. Securities products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S", or "Merrill"), a registered broker-dealer, registered investment adviser, Member SIPC layer, and a wholly-owned subsidiary of Bank of America Corporation. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor. If you only need to change your current relationship then great because changing banks can be a pain in the neck.Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. I hope this helps in your selection of accounts and financial institution, if you have to change banks good luck and be sure to monitor you account. Here are a few pros and cons of both large financial institutions and community banks/credit unions.Ĭommunity banks and Credit Union pros and cons Pros When you prioritize each question then you can better select an account package that will serve you properly. Ask yourself how many times you use each service. Now if you like to spread the wealth then consider these 10 questions.
If you do not mind having all your eggs in one basket then this will be the most cost effective way to do your banking. Banks want your entire banking relationship, keep this in mind.
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In fact the more services you have the more free stuff you will receive from the bank. Yes, I said package, because it is almost impossible to open an account without having multiple services. These 10 questions are important because certain banking services will cost you money if you do not include in your checking account package. Do you use cashier’s checks and money orders?.Do you bank online and use online tools such as bill pay, mobile banking?.
Do you sometimes need a line of credit for cash flow issues?.Do you keep a certain amount of money in your accounts (minimum balances)?.