Ask Mr. Fix it

52% of us have moved our savings because we were disappointed with customer support, according to the latest Money Facts user polls. 42% of us have avoided a particular account provider because of a friend's bad experience.

With bank account services, 46% of us have moved a current account because of poor customer support and 45% have avoided a particular bank because of a friend's bad experience.

Accessing our checking and savings via the internet is becoming increasingly popular, but still a lot of of us prefer to grab the phone or visit a branch. Our finances are something that we need to take seriously and can cause a lot of stress. This means, when we want to discuss them or need help, we have to be treated fairly and receive good service.

Banks are continually being slated in the press for unjust charges and for things like going overdrawn. This, along with hearing about people close to us having had a bad experience, would be enough to put many of us off choosing a specific account provider. However important good service is to us, we should still be conscious of interest rates being provided by different providers.

Banking facilities should also be looked at when picking your current account. For instance, is it important to have a branch near to you? Do you need to use internet banking?

As well as these things, when you use an overdraft on your present account it is wise to compare rates of interest on these. Money Facts' research of overdrafts shows that some providers are charging EARs (Effective Annual Rates) on approved overdrafts of over 20% and for unauthorized overdrafts over 30%.

Best buy charts on Money Facts show that much better deals are offered with rates on authorized overdrafts as low as 0% (introductory) and unauthorized at under 6%.

Rates on savings accounts also vary greatly. On no notice accounts at $500 the typical rate of interest is around 2%. The savings best buys charts reveal that rates of over 4% can be found. Again, account facilities should be considered.

To save on particular fees, some men and women have taken their money to the new zealand finance company. The nz finance company provides wonderful service and fantastic facilities for individuals seeking to open a new account. For more details, search: nz finance co.

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