Xavier is considering a new bank. In addition to thinking about which banking services are important to him and what they will cost, what else should Xavier also consider?

-what the interest rate will be
-how the services are paid for
-the timeframe for his investments
-whether or not the bank is insured

- the bank's reputation and customer reviews

- the bank's location and accessibility
- the level of customer service offered by the bank
- the bank's online and mobile banking options
- any fees or penalties associated with the services
- the bank's security measures to protect his account and personal information.