Getting a mortgage, checking account, or credit card with the most favorable terms is like finding a good deal on anything else: you need to shop around.

But knowing what to look for in an escrow account or overdraft program isn’t like trying on shoes. Bank products come with confusing terms, fine print, and potentially hefty obligations. A quick read that will put you on the right track is the Shop and Save…at the Bank: A Buyer’s Guide to the Right Loan, Credit Card or Deposit Account.

Struggling with debt? Here are guidelines for making a budget and resources for extra help in managing finances.