What are the 3 most important things you should look for in a depository institution?

When choosing a depository institution, consider the interest rates offered on savings and loans, as these directly impact your earnings and borrowing costs. Additionally, evaluate the fees associated with accounts, such as maintenance fees or ATM charges, to ensure they align with your financial habits. Lastly, assess the institution's customer service and accessibility, including online banking options and branch locations, to ensure you receive the support you need.