Final answer:
To select the right bank, consider the number of ATMs or branches nearby and your personal banking needs. Compare services, fees, convenience, and reputation amongst different banks by charting detailed criteria specific to your needs.
Step-by-step explanation:
In selecting a bank that effectively meets personal banking needs, convenience, bank services, and personal usage habits should be considered. Of the options listed, the number of ATMs or bank branches in proximity to everyday life (Option II) and understanding one's own banking needs (Option III) are the most relevant. While having a representative at the mall (Option I) might seem attractive, it does not necessarily reflect on the bank's suitability for your needs.
When comparing three banks within a neighborhood, one should chart criteria such as the ability to meet checking account needs, services offered, fees charged, the convenience of locations, and the bank's reputation. After charting these categories for each bank, which could include a review of overdraft fees, minimum balance requirements, and the availability of mobile banking, one could make an informed decision based on a comprehensive evaluation that aligns with personal banking habits and financial goals.