Evaluate services and related costs associated with personal banking.

Evaluation should include use of a decision-making model to compare services and costs provided by financial institutions, such as

• checking and savings accounts and associated interest rates
• certificates of deposit (CDs)
• money market accounts
• loans and trusts
• money orders
• safe deposit boxes
• brokerage services
• automated teller machines (ATMs)
• credit cards
• customer relations
• fees (e.g., overdraft, monthly maintenance, stop-payment)
• disclosure statements
• peer-to-peer services
• micro-payment providers (i.e., installment payment providers now available at most retail and e-retail outlets).