Tips to help you save money

• Shop around to determine the lowest-cost service package that best suits your needs. This is essential to saving you money.



• If you choose a service package that requires you to keep a minimum balance, make sure you maintain this balance at all times. Otherwise, you will be charged the full monthly fee.



• Use electronic and automated services (Internet, telephone, ABMs,) whenever possible. These usually cost less than branch services. Use your own financial institution's ABMs as much as possible to avoid paying unnecessary fees.



• Try to minimize the number of transactions you make by withdrawing one larger amount instead of several smaller ones.



• In stores that allow it free of charge, withdraw cash from your account at the same time as you make a debit card purchase (in other words, add the amount you want to withdraw to your purchase and receive the cash as change).



• If a merchant wants to charge you a fee for a debit card purchase, use another means of payment such as a credit card or cash, or take your business elsewhere.