Video: 5 Reasons You Need to Switch Banks This Year

View our ranking of the 10 best savings accounts of 2015 here.>> 

Only 12 percent of consumers have switched banks in the last two years, if statistics from TD Bank’s 2013 Checking Experience Index hold. That’s kind of ridiculous, considering how much people complain about their banks. Finding a better bank can help you be better with your money — here are five reasons why you should consider switching banks this year.

Video: 5 Reasons Why You Should Switch Banks in 2015

1. Interest Rates

Here’s the biggest lie you’ve been told this year: “Interest rates don’t matter.” Sure, the average savings account rate is 0.17% APY (as of the end of 2014), but some institutions are offering 50 times that amount. You just need to know where to look.

2. Fees

Let’s say you have $10,000 in your checking account. At a 1% APY, that means you’ve earned $100 this year. Now, let’s say you overdraft — that means you’ve lost $35. Do that twice more, and you’ve blown through all the free money that you’ve earned that year.

Related: Study: A Single Overdraft Can Cost You Up to 145% of Your Yearly Interest

3. Customer Service

Because sometimes it’s important to be talking to a real live human being. Applying for a loan, disputing a charge — these are the types of situations where it matters most to have great customer service.

4. Accessibility

Get out of the dark age! If you don’t have mobile or online banking, you should really consider making the switch. It’s such a hassle to walk into a bank every time you want to deposit a check.

5. Because You Want to Be a Better Person

A recent poll found that Americans’ No. 1 financial resolution is saving money. But you need help — that means stronger accounts and lower fees. Finding a better financial institution will make you a better saver — and overall manager of your money.

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