5 On Your Side: How to choose a better bank

High fees. Practically no interest on your savings. Poor customer service.

Does any of this sound like your bank? If so, Consumer Reports says it might be time to break up with your bank.

You might not think about shopping around to get the most bang for your buck from your bank, but it could be worth your time.

There are more options than ever, from the traditional walk-in branches to credit unions to online-only banks, which have no branches at all.

"Each type of bank has positives and negatives," said Scott Medintz of Consumer Reports. "So it’s important to figure out what’s most important to you when you’re looking for a bank. You might even find that it makes sense to bank at more than one place at a time."

If in-person customer service is important to you, a walk-in bank is your best bet. Even then, however, it pays to shop around.

You should pay a visit to any bank that you’re considering becoming a part of, to make sure it has everything you need, that the hours make sense for your life, and that the staffing is really up to snuff.

Looking for the best savings rates? Get online and shop around. Websites like Bankrate and NerdWallet can help.

With a quick search, Consumer Reports found nearly a dozen banks paying interest of 3 percent or better.

Before you jump at that promotion for a free checking account or high-interest savings account, however, be sure to read the fine print.

"A supposedly 'free checking account' isn’t really a bargain if it hits you with huge fees when you overdraft by a few dollars or for other reasons," Medintz said.

Changing banks requires some planning: Be sure to open the new account before closing your existing one. If you use direct deposit, change it to the new account, as well as any automatic bill payments.

Then transfer any remaining money.

When changing banks, Consumer Reports recommends keeping your old account open until all checks and payments have cleared, to keep from getting hit with any fees.