American consumers are increasingly changing their banks in response to an influx in fees and penalties from big-name institutions. Smaller banks are appealing to many people because they don’t have as many fees, and generally smaller banks offer better customer service. Still, some individuals are apprehensive about switching because their current banks seemingly have them cornered. Without a proper plan, you may be stuck banking with an institution you don’t like. Follow these six steps to make the process of switching banks smoother:

1. Start Shopping

Although you may be comfortable sticking with a big-name bank, you are less likely to incur fees from smaller banks. Such banks might not be as big or have as many locations, but their customer service is sometimes better, and many are still covered by the FDIC. Do your shopping in advance to check out all of the terms and conditions for opening a new account. Common places to look include local banks, credit unions and online banks.

2. Withdraw Cash

Your first instinct might be to close your current account and take all of your money out. While this is the ultimate goal, you first need to make sure you find a new account and get your financial affairs in order. Otherwise, you might miss out on deposits or payments and have to deal with fees on top of bills. Withdraw cash from your current account so that you can pay for the essentials while you are shopping for a new bank.

3. Stop Automatic Payments

Stop automatic bill pay and direct deposit before closing your current account. This will avoid future confusion for parties who regularly give you money or take bills out of your account. Set up an alternative method for paying bills, if necessary, such as money orders, until you have fully switched banks.

4. Open New Account

Once you have stopped automatic payments and direct deposits, it is time to open your new account. Read all of the terms and conditions, and make sure that you are getting the features you were promised by the banker, whether it is a higher interest rate or free checking. Deposit at least the minimum starting balance required.

5. Start Up Automatic Bill Pay

As soon as you open an account at a new bank, you should set up all automatic bill payments that you had with your other account. Failure to do so will likely result in missed payments and late fees, since you are more likely to forget to pay them now that you are doing it manually. Also, contact your employer to set up direct deposit if you prefer it over depositing checks, so that you can receive the money from your paychecks quicker.

6. Close Old Account

Closing an old bank account requires an in-person visit to the bank. If you are really serious about closing it, you should not be dissuaded by a banker at the branch. Ask ahead of time about any fees involved—chances are if you have been charged numerous fees in the past, this bank will charge a closing fee, too. Keep in mind that instances like these are the reason why you’re leaving, so don’t let it hold you back from moving onto a better institution.

Debbie Dragon is a financial writer for MyBankTracker.com, a site that helps consumers compare savings accounts, CD rates, and home equity loans to make informed banking decisions and save money.