A tip from a trusted friend or relative, a little monetary incentive or even just the location can usually steer consumers to their bank of choice. But one look at the fine print can have potential customers re-thinking their decision. While Capitol Hill has banks scrambling to make up new revenue sources, consumers are usually the ones slighted as new fees means less banking value for your buck. With the savings rate up 5.8% in January, according to the Bureau of Economic Analysisâ€”the highest since Augustâ€”itâ€™s important to make sure the financial institution you decide to do business with is giving you the best service. Hereâ€™s a checklist of questions you should always ask to ensure youâ€™re getting the most out of a savings or checking account.