1. Reasonable Fess- Find out what fees are charged by the bank. Some banks refund ATM fees, and others simply charge you every time you do anything. 2.Customer Service - Don't underestimate the importance of good customer service. You want to feel somewhat valued by your financial institution. 3.Low Rate Loan Options- While you don't have to get a loan at your primary banking institution, it can still be comforting to know that your bank offers competitive loan rates.