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I dreaded switching checking accounts for years, but when I finally sat down to do it I was finished in 3 minutes

I dreaded switching checking accounts for years, but when I finally sat down to do it I was finished in 3 minutes
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I've had a Wells Fargo checking account since I was a teenager, but I've considered switching banks for years.




After I spent hours researching checking accounts to compile Business Insider's list of the best options, I finally decided to open a new checking account at Chase.




It took me no more than three minutes to open the account and set up direct deposit with my payroll provider, which helped me qualify for a $300 cash bonus offer from Chase.




Now I can access my checking account on the same dashboard as my two favorite credit cards and access thousands of ATMs for free all over the US.




See Business Insider's picks for the best checking accounts right now »



There's a concept in behavioral finance called status quo bias and I'm guilty of it.
It means that when it comes to my money, I'm often content with things the way they are — the decision with the least amount of work or change required is often my preference. As long as nothing is going horribly wrong, I'm fine.
That's why I've had the same checking account at Wells Fargo for about 10 years, ever since I was a teenager learning the very basics of money management. I stuck with the bank through a series of scandals largely because I was too lazy to go elsewhere. For a while, I didn't even know the fees or terms associated with the account, but my parents banked there too, so I figured it was good for me.
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