The study sought to assess the choice of saving culture and banking methods among rural households in the Sunyani Municipality. The specific objectives of the study include to investigate the perceived factors that affect the choice of alternative banking methods by rural households in Sunyani; to examine major factors that influence household savings; to identify the constraints facing rural households in their choice of banking methods; and to determine the relationship between socio-economic characteristics and the choice of banking methods of rural households. The study adopted descriptive survey approach and quantitative approach in resolving the research questions. The population of the study included rural households in the Sunyani Municipality, which was heterogeneous in nature. However, a sample size of 270 was arrived at using the Z-score since the population was unknown. Simple random sampling technique was used to select respondents after cluster sampling was used to group the rural household areas into zones, northern and southern zone. A structured questionnaire was used in collecting data which was analysed using mean scores, cross tabulations, percentages and frequencies. The study disclosed that unorganized /informal rural households banking methods is the most preferred banking methods by the rural households. It was also discovered that organized/formal rural banking methods are far away from rural households. The study recommends that due to the high patronage of unconventional banking institutions by rural households, the regulatory bodies should ensure strict regulatory of activities of informal financial institutions so that they do not bolt away with the funds of their patrons