Bangalore: Majority of the people consider using a bank as they are the first option that comes to mind when dealing with finances. Because banks are the safest method of storing and accessing your money. But if you think your bank is not offering you what you want,and the bank fees is really expensive for you. Then opt for a change as there are a number of options available. There are plenty of financial institutions willing to take care of your your money and not charge you for the right to access it. Certain options that can offer good returns on savings and can be accessed by everybody are: Credit Unions One alternative to conventional banks are the Credit. These are not profit organizations instead they are used by people who belong to a common workplace or occupation. the services they offer are the same as the bank but the difference is that the credit union do not focus on profit. Therefore, they do offer lower fees and higher interest rates on saving accounts. If you are looking for cheaper fees and better interest rates on savings then a credit union might be right for you. However, credit unions are still small compared to banks, and you cannot simply join the credit union of your choice. Online Banks Want to opt for something different other than the traditional banking is the Online banks. There are many banks that operate solely online, and there are a lot of benefits to this sort of bank. Online banks offer a higher interest rate because they have lower overhead. No branches mean no lease payments, no tellers and bank managers to pay, and a smaller electricity bill at the end of the month. The advantage of opting for online banks is that you can carry out a transaction at any part of the day be it transferring money or paying bills. Credit Union and Online banks are the two options you can consider if your looking to make a move away from a big bank.