Before taking that final leap and changing banks, consider things such as convenience, affordability and personal preference. Think about automatic teller machine (ATM) locations, in-branch transaction fees, and the trade offs between community banks versus national banks.

Look for a bank that can "move" with you when changing duty stations, and verify it too isn't implementing its own version of fees. Banking institutions such as USAA and ACU have mobile banking, a nationwide network of free ATMs and ATM reimbursement, and no fees for most services-USAA doesn't even charge for wire transfers.

When ready to switch, create a list of automatic billing and direct deposits to determine the best time to move money-if it's not timed right, bills may come due while money is pending between banks. Also double check premiums (such as insurance) as they may increase if you switch to manual payments while changing accounts.

Order checks, deposit slips, and debit cards immediately after establishing new accounts, as they may take awhile to arrive and you'll need voided checks to set up automatic withdrawals. Contact the Army's finance department before the 10th of the month to change allotments so there's no interruption of funds. You'll need to complete two forms: one to stop and the other to start allotments.

If you utilize paperless billing,download statements and print canceled checks. Leave enough money in old accounts to pay current bills, and ensure all transactions are posted before closing; close promptly to avoid penalties.

If using a wire transfer to move money, ask about fees and keep both accounts open until transfers are complete. Monitor bill-pay transactions for at least a month for errors and follow up with merchants to verify new account information. Finally, provide old banks with your current information in case they need to reach you.