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If you are trying to find the best bank accounts then you'll need to go through a process of elimination, otherwise you'll never make it through the mound of offers available.

So how do you cut the number of bank accounts to an amount which you can actually review thoroughly? The answer is to have a list of requirements and if a bank cannot fulfill these you need to cross them off the list. The benefit of doing things this way, is that you won't be influenced by the advertising into selecting an account which basically does not meet your requirements.

Now you simply have to define your needs. Below is out list of areas which you have to consider to find the best bank accounts.

Firstly, you need to decide how you are going to use your account, these can be broken down into 3 basic types. Will you've your income paid into it, will it be used for saving for a particular fund, or do you've a lump sum which you wish to invest?

If you are looking for an account to pay in your monthly income then you'll be looking for a form of current account. You will probably need a credit card, a debit card and also a cheque book.

If you are looking to save then you'll not necessarily need a cheque book or a debit card, you'll however, be interested in what interest rates you will received. In this case you will probably benefit from an account which needs a deposit to be made every month.

Finally, if you've a lump sum of money you will again not require a cheque book, and you will probably not be looking to make a monthly deposit, thus you will need to find the highest interest account you can get.

Once you've decided on the kind of account you want then, you need to work out your access. As discussed above, it's sensible to have a debit card and check book for your primary account. But there are other forms of access; notably internet access. The benefit of an internet account is that they will sometimes pay higher rates of interest than those accounts that are based in a bank branch.

So to find the best bank accounts you have to define you needs and requirements and you need to be sure that you fully understand the obligations you are signing up for.

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