Criteria for choosing an online bank
There are a number of elements that need to be checked to determine which bank offers the most attractive package:
Account management: account maintenance fees, fees for inactive accounts, issuing cheques, stop payment charges on cheques, and insurance against loss and theft of means of payment. These different fees can generate more or less important costs depending on the bank.
The bank card: there are three types of bank card: the paying bank card with no income conditions, the top-of-the-range bank card with income conditions and the middle-of-the-range bank card with income conditions. Warning! Cards are generally provided free of charge, but the fees associated with their use are often taxed: withdrawal or employment fees abroad, stop payment fees, etc.
Incident fees and additional charges: these include authorised bank overdraft rates, transfer rejections, direct debit rejections, etc.
Services offered: you must choose an online bank according to your profile. Until now, many virtual banking institutions do not yet offer credits and loans, so before opening an account, you should find out the following
Customer service: choose a bank that provides customer support at least during office hours and that offers a variety of means of contact: chat, e-mail, telephone, etc. Please note! Some banks surcharge calls !!! So be careful!