Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to switch to a better bank [title] Decide what you need from your bank. [step] Many financial institutions do not charge fees to open an account. However, many accounts do penalize you with automatic fees if your account balance drops below a certain minimum level.

Ending1: Most banks offer an automatic payment method that you can use to help you increase your account balance over time. [substeps] You can think about where you are setting up your account before determining whether your bank can handle automatic payments. Ending2: This is due to the quality of the account. [substeps] You will simply pick a bank that allows your best interest when it comes to savings, payable assets, college credit card balances, or student loans. Ending3: Talk to your bank about whether you need to pay fees to open an account. [substeps] Recognizing your account balance may help you determine how much you need from your bank. Ending4: Further, many accounts also have overdraft fees. [substeps] Ask to see a written description of any fees associated with the accounts a financial institution offers.

Answer format: ending1/ending2/ending3/ending4