Reset Intelligence – Dinar Guru The biggest mistake is comparing banks on the headline rate alone. The rate is one number. The package is the rate plus fees, on-boarding, plus what the institution does for you in the months after. A higher headline rate with a punitive fee schedule routinely nets out worse than a lower rate with waived fees and clean on-boarding. A private banking introduction can be worth more in the first 18 months than a marginal improvement on the rate. Decide on the package.