If you use automated teller machines frequently, look for a bank or credit union with plenty of ATM machines. Check out minimum balances. Find out how the bank figures the balance. Some use an average daily balance approach, but others use the low-balance method, meaning if your balance drops below the minimum for even a single day, you get hit with account fees and probably lose any interest due to be paid for the period. Also ask what the bank counts toward the minimum balance.
Some banks count savings along with the checking and some even count CD deposits.
Consolidate accounts and services. The more types of banking you do at one institution, the more likely you'll receive discounts or special deals. For example, if you keep minimum check and savings balances, you may be eligible for loan discounts, higher CD rates or no-fee credit cards. Also ask if your bank offers any special discounts for senior citizens.