As much as we’d all love to keep our money buried in coffee jars in our backyard, there are some moments when we simply cannot do without our friendly neighborhood bank. Banking services have evolved tremendously in recent years and with so many options available to us today, it can be hard to know which services to prioritize. Fear not, as we’ve put together a list of the top 5 most important banking services that you absolutely cannot live without.

Mobile Banking

Life is just not the same without mobile banking. Whether we’re on the go or sitting in our favorite café, mobile banking has become a staple in our daily lives. Be it for checking account balances, transferring funds, or even paying bills and shopping online, mobile banking is a must-have service for anyone with a bank account.

Credit Cards

Credit cards are more than just a luxury, they’re a necessity. Whether you’re booking travel tickets or just grabbing a quick burger, credit cards can help us to stay on top of our finances. With credit cards, you have the freedom to make purchases without worrying about having enough cash on hand, while also enjoying reward points and cash-back offers.

Online Banking

Online banking has grown immensely in importance over the last few years. With the convenience of 24/7 access to your account, you can do just about everything through online banking, from checking your balance to transferring funds between accounts. In addition to making our lives easier, online banking is also much more secure. You can manage your finances from the comfort of your own home and find the best financing solutions for your needs.

Savings Accounts

Savings accounts are the backbone of any healthy financial plan. It’s no secret that having money set aside for unexpected expenses or a rainy day can give us peace of mind and financial stability. With savings accounts, you can have a useful source and earn interest on your deposits while also watching your money grow. Plus, with automatic deposit options, you can easily set aside money each month and let it grow into a sizeable nest egg.

ATM Services

ATM services have become one of the most important banking services in today’s day and age. We all love the convenience of being able to withdraw cash whenever we need it, and most banks today offer hundreds if not thousands of ATM locations across the country. Not only do ATMs make it easy to withdraw cash, but some also offer a variety of banking services such as checking account balances, BSA/AML compliance, and account statements.

The above five banking services are the most essential components of any successful personal financial plan. Whether you need to transfer funds, check account balances, or withdraw cash, these services have become a fundamental part of our daily lives. Choosing the right bank and banking services to meet your needs can be a daunting task, but with the above services, you’re well on your way to a healthy financial future.