If you’re using your ATM card for debit transactions, ask your bank what kind of protection it offers if the card is stolen or lost. Thousands of dollars could be pulled from your checking account and, in many cases, you wouldn't be nearly as protected as you would be with a stolen credit card
Another good one on the secret list is that "you can get practically any fee waived if you ask, especially if you're a longtime customer." Most of the others I didn't find too useful as a saver, so I thought I could come up with a list of things related to savings accounts and CDs that banks won't tell you. Some of these may be in the small print, but they're rarely disclosed in a clear way. This is from my experience. If you have others, please leave a comment.
1. If you close a CD during the grace period rather than renew it, you may not receive interest during the grace period.
2. Early withdrawal penalties for CDs are often more severe than 6 months of interest. I've seen penalties as high as half of the term which would be 30 months of interest for a 60-month term. Early withdrawal penalties are often only listed deep inside the disclosure.
3. CD rates don't always lock at the time of the application but when the bank receives your funds.
4. The rates that take effect when you let a CD automatically renew can be much lower than the currently advertised rates. The advertised rates are often only for special CDs. The regular rates are typically much lower.
5. Banks often don't specify POD or ITF correctly for purposes of additional FDIC coverage (see post).
6. CD rates are negotiable. You often can get a higher rate than what's listed. You'll have a better chance if you have evidence of a higher rate from a competitor bank.
7. The rate on your savings account may be much lower than what the bank is advertising. Many banks keep coming out with new versions of savings accounts with high rates. They cut rates substantially on the old savings accounts. Banks which have a history of this include AmTrustDirect and KeyDirect.
8. Some banks do a hard credit inquiry when you apply for a deposit account. This can temporarily ding your credit score.
9. You can lose 2 to 4 days of interest (and sometimes more) when you initiate ACH transfers at some online banks. When you initiate the transfer, the money is withdrawn from the source account two to four days before it's deposited in the destination account.