Banking is complicated. There are thousands of banks, and once you select one, disclosures and fine print can confuse even the most experienced consumer. The average U. A lot has changed over that time — from new players in the industry to technological advances. Yet, the J. Power U. Retail Banking Satisfaction Study recently found that only 4 percent of customers switched banks in the past year. Or. So it pays to have your antenna up and be on the lookout for something that is a better deal or works better for your financial lifestyle. If your bank requires a lofty minimum balance, for example, see if there are online checking accounts that have lower minimums to sidestep maintenance fees. You may really like your bank. In July, the Federal Reserve cut rates for the first time in a decade.