If you're shopping around for a bank, you may be wondering how to decide which one is the best place for your money. The good news is that as long as the bank or credit union you choose is backed by the FDIC or National Credit Union Administration, your money will be safe even if the bank fails. The bad news, however, is that rates and fees can vary widely from bank to bank, so you'll need to shop carefully to get the best return. CNBC personal finance expert Carmen Wong Ulrich has some tips for finding the right bank for you.

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