Relocating can be hectic because you basically pick up your entire life and change everything. Your finances are one thing you need to deal with right away.

Between packing and unpacking, there are so many things to be done when relocating. Whether you are simply moving across town or across the country, getting a bank account set up is one of the foremost items that should be checked off your list. Whether you choose to wait before or after you move to change banks, there should always be a game plan ahead of time to prevent any unwanted closing of accounts.

If you are happy with your current bank, many banks operate nationwide. Unfortunately, some of the most well known banks such as Wells Fargo and Bank of America do not operate in all states. If this is the case and you love your bank, there are ways around going to a new bank. Many banks will accept a change of address and allow you to continue banking there while living out of area. To make deposits to an out of state bank, many banks will permit you to mail certified funds directly to a branch or home office. A word of caution - keeping accounts with a bank that has no offices near you will make it difficult to withdraw cash. While you can withdraw at most any ATM, you will have to pay service fees each time.

Do your research before you move. Find local or national banks that operate in your area, and if possible, speak to someone who has used the bank. Many cities have a Chamber of Commerce that will provide recommendations for banking; some even have welcome committees that are committed to helping you make a smooth transition. Ideally, you should choose a new bank before you move. Even if you plan to keep accounts open elsewhere, having a home bank is still a responsible choice. For immediate assistance and for loans and mortgages, a bank nearby can help in the long run. If possible, open a new account before you move.

Once you arrive, check out the bank you have chosen. Ensure that you are aware of all of their policies and transfer any money to their site. If you have automatic payments on credit cards or other debts, make certain that you change the bank account information, if necessary.

Above all, make sure that your new address is reflected the same on all documents. This includes the postal service, credit cards and your new or old bank. If your credit card address and bank address differ, your account may be closed due to the discrepancy. Choose a bank that suits your needs, and if necessary, keep an account open from your previous location.

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