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.