checking

Keep savings, checking accounts at 1 bank

Closer relationship with your banker
Closer relationship with your banker © Goodluz/Shutterstock.com

By creating a more complete relationship with one bank, you may get to know a branch manager or personal banker more closely, and he may be more likely to want to sit down with you and consult with you on your financial picture, Browning says.

It's easier for a banker to offer more personalized service if he has a consolidated view of your accounts, she says.

"All banks have much the same set of products and services, but what really sets one banker apart from another banker is the ability to sit down with a customer and help them come up with a plan for the rest of their life," Browning says.

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