<prompt> Human: I have to switch banks this month and I am trying to figure out which one to use. Currently, I simply have a student account with no fees. Just a checking account that I keep over 500 and a savings account with 15k in it.I am thinking that I would like to have my emergency fund separate, a savings account, and a checking account with no fees. Ive been considering Wells Fargo and Ally bank the most. But all of that to say, I really dont know that much about all of this haha.Does anyone have any recommendations or suggestions for how I can go about this? My priorities are savings and just paying a minimum on my student loans at the time being.  <response>: Start by determining what your needs are. Credit unions get more love than banks on Reddit but dont limit yourself to one or the other. Between banks and CUs, one is not inherently better.In terms of what to look for, different factors matter for different people. Off the top of my head, some factors to look at: Requirements such as minmax balances, direct deposit, etc Fees. This sort of goes along with the different requirements. Make sure you know all the fees, if there are any, associated with min balances and such. Also keep an eye on other fees such as external ACH transfers, ATM fees, etc. Interest rates, especially if you planning on keeping money in savings accounts. Other services they offer that you plan on using. Such as CDs, credit cards, loans, bill pay, etc. Useful if you dont like to keep track of several accounts. Availability of branches and ATMs. This depends if youre the type that goes into branches a lot in person. How good is their website andor app. Personally, this is a big one for me. Customer service. Although I guess you cant really know this one until you experience it yourself.Theres probably a few more that I didnt think off. Hope that helps.Nerdwallet and bankrate are good resources that has a searchable list of different checking and savings accounts that you filter on. 