Hi, if you use the ATM often, you may want to use your bank's ATM more than any other. This will cut down on the amount of fees for cash withdrawals. Also, a debit card is good to have because it works similar to a credit card. You may want to consider choosing a bank that offers free checking with no minimum balance requirement. Set up a savings account and transfer $10, $20 or even $5 a month from your checking into the account before you pay any bills. Over time the amount will add up. The key is to never touch the savings. I hope some of these suggestions help you.

MsGie