In today's competitive environment, banks are vying for your business more than ever. Deals, promotions and special offers come at you from every direction. The questions are, how do you know what is right for you? Are you really getting a good deal? "There is so much information available and out there that you can perform extensive research on these deals and offers and find out what really is the best, but who has time for that?" said Titi Cole, Harris Senior Vice President, Retail Banking Product Management. "There are some simple hints or things to know that we provide during straightforward, yet thoughtful, discussions that can help customers get through the fine print to the bottom line." 1. Read the Fine Print. Each ad you read is going to have fine print at the bottom that will explain, in more detail, what the deal is really offering. Take the time to read the fine print and ask yourself a few questions as you do: -- Is it a short-term special? When does the promotion expire? -- Is there a new money requirement? -- Is there a limit or cap on the offer? -- Is there a relationship requirement? -- Does it require another product be opened or a balance to be maintained? If you have further questions, talk to your local banker, who should be able to walk you through the fine print and provide some clarity. 2. Compare and Contrast. A quick comparison between ads will help you distinguish which is the better offer. Be sure to compare the headline to the fine print to determine if they match up. Also, look to see how the rates and tiers, or balance requirements and length of time, compare between each offer. Additionally, when looking at how requirements compare between offers, be sure to check if there is a: -- Minimum balance requirement? -- New money requirement? -- Other promotional strings attached? 3. Do the Math. Spend a few minutes computing the rates during the offer, and what they will return to after the promotion is over. While it may be a good deal in the short term, you may be better off choosing the bank where your rate will be better in the long term. 4. Seek Referrals. Ask other professionals or home business owners that you trust what type of banking institutions they use, and how their experiences have been. Sometimes just knowing of an established relationship with a specific bank via friends or colleagues can help you feel confident in choosing the right firm. 5. Ask For Help. If financial decisions make you uneasy, never hesitate to find resources through your local Chamber of Commerce. There are business professionals in your community that are sure to offer advice and insight when it comes to such matters. Ask others within your social networks to assist you in clearing up confusing terms or complicated plans that are hard for you to understand. Choosing a financial institution can be complicated and confusing, to say the least. By following some simple tips, you can make navigating the process a little less difficult. | 
