Find the fee schedule
Do not rely only on marketing phrases such as 'free' or 'no monthly fee.'
Match usage to the account
An account that is cheap for one usage pattern can be expensive for another.
Watch avoidable triggers
Minimum-balance rules or transaction limits can turn a nominally low-cost account into a higher-cost one.
Review annually
Providers and account terms can change, so a once-good fit may stop being competitive.
Educational information only. Use current product terms and the rules that apply in your country. For decisions with significant financial consequences, consider an appropriately qualified professional.