An Appointment with my Bank...

Today I had scheduled an appointment with my bank. They wanted to clear some things up and I wanted to talk to them about the fees the charge for the checking account as well. Lately it just seems as the fees are getting up and up and I do have also offers for other banks as well. But it isn't easy to compare those offers since you have have to have a detailed list of the cost and not only the final sum per quarter. The easiest way to get those list ist during a conversation with th bank.
I got to my apppointment quite early, so I went to have coffee at a local Cafe. The reason that the bank wanted to talk to me was mainly for the reason of my salary. Since my salary differs greatly from month to month. So they weren't quite sure if I'm working for a company as employee or if I'm selfemployed. The reason for my fluctuating salary depends on how much overtime I make per month. Once we had cleared that up we talked a little about the cost of the checking account. There are some cost postions that we could elimante right away. Like the cost for the print of the checking account statement, since I check on that through the Netbanking App anyways. Another cost factor that we eliminated right away ist the mailing fee for the account statement. That does bring down the cost a little bit. Still not sure If I'm entirely happy with that, but it's a beginning. Certain other costs I have to calculate through before being able to make a decision like e.g. the fee for taking cash out of the ATM. But haven't gotten around to calculationg that completely throught quite yet. Here you can cleary see that I am truly an accountant. I really like figuring stuff like that out and I'm fairly good at it. So you could say it's something of an occupational hazard.
By the end of that appointment my bank even offered me a credit card. Looked over the terms and conditions and it's a fairly good deal. So in a couple of weeks I will be having once again a credit card. Haven't been haven one since I moved back to Austria. So it looks like my bank does appreciate customers with a postive cash flow.