Do you make good use of bank service?  

Hi magic9! From what I have read from your post, it seems that you already utilize the bank services as much as possible. For me, I just have my internet banking, phone banking and just exchanging the reward points to some goodies. My husband is very keen on having some mutual funds that banks are offering but we still let the economy to stable down a little bit more. Right now, what we did with our savings is put it on 6month time deposit that will earn as higher interest than usual savings account. Also we set aside some funds for one of our saving account with step-up interest feature. It will allow us also to gain interest in its usual interest rate and additional interest as long as you top-up your savings making it higher than the previous balance. That's about it for my bank services.

hi magic. that is so good of u to utilize the various services of ur bank. at least, ur lending the banks ur money paid off (our relationship with the bank is the same as creditor-debtor relationship). i am satisfied with the online service of my bank. i am happy that i am able to check my balance and other transactions via the internet. i need not go to the atm machine just to check how much balance is standing to my account. i also get to print my statement from my computer. other than withdrawals that i make, i don't have other transactions to make me utilize the bank's services. i call the cashier to inquire about other info sometimes.

I don't use many of the banking services available to me. I mainly just deposit money in my savings account. I like paying bills by going to the payment center myself so that I could keep track of everything. I don't feel at ease with paying bills through online banking or through an atm.