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Selecting a Bank. Steve just received his first paycheck and wants to open a checking account. There 1 answer below » Selecting a Bank. Steve just received his first paycheck and wants to open a checking account. There are five banks in his hometown. What fac- tors should Steve consider when choosing a bank? Influence of Interest Rates. When making banking decisions, why should you be concerned about current interest rates? Aug 21 2015 06:38 PM