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  • Sarah wanted a savings account to help her save for a car and

  • she wanted a checking account to pay her bills.

  • She went to a bank near her office.

  • Sarah was surprised that they charged a monthly fee for

  • anyone with less than $1,000 in the bank.

  • So Sarah decided to do some homework.

  • She made a list of the things that were important to her.

  • She wanted a bank with lots of ATM's.

  • She didn't want to pay fees, so she wanted a bank that let

  • her keep a low minimum balance without charging her extra.

  • She also wanted a bank that paid interest on both her

  • savings and checking account.

  • Knowing what she wanted, Sarah compared a credit union with

  • another bank.

  • The credit union didn't have many ATM's, but she could use

  • any other credit unions ATM for free.

  • There were no fees and no minimum balance required, and

  • both accounts paid a small interest rate.

  • The bank had lots of ATM's, it also had fees if her balance

  • went below $300.

  • The savings account paid interest, but not

  • the checking account.

  • Sarah thought the bank might be more convenient, but she

  • worried about paying fees if her balance went below $300.

  • And she liked the idea of getting interest even a little

  • bit on her money.

  • Sarah decided the right place to help her save and pay her

  • bills was the credit union.

  • But, it was a tough decision.

Sarah wanted a savings account to help her save for a car and

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