There are a variety of reasons that have led you to this point: the time when you decide something has to change. You need a checking account that works for you, not against you. Maybe you have moved to a new city, or your marital status has recently changed. Perhaps you are tired of excessive fees, or maybe you are unable to access the checking account features you need with your current financial institution. Whatever the case may be, opening a new checking account might be the best option for you.