5. Try a Credit Union

Most credit unions offer their customers better rates for loans and special perks, like fee-free accounts. They’re also a lot nicer to deal with than big, impersonal banks, and most credit unions will also offer you a personal banker, someone who really has your own best financial interests at heart. Also, they don’t tend to charge fees for using ATMs, which can really add up: each transaction usually costs $3!

Learn when to Say No