How does your bank stack up?

  • Financial Rates: 4.0 Star Icon
  • Customer Service: 3.0 Star Icon
  • Website Experience: 5.0 Star Icon
  • Bank Fees: 5.0 Star Icon


  • No monthly fees for accounts
  • Checking account earns interest
  • Accounts earn competitive interest rates
  • Reimbursement of ATM fees


  • Highest rate requires a large sum
  • Limited variety of accounts offered
  • MMA and CDs have high opening amount
  • Person to person payment has a fee

What You Need to Know accounts are free. The checking and money market accounts do not have a monthly maintenance fee. There is no required amount to keep in either of the accounts. CDs only have a fee if you withdraw the money before the maturity date.

The checking account earns interest. You can have money directly deposited into the checking account. There is not a monthly fee. The required amount to open the checking account is only $100.

The accounts at earn competitive interest rates. The rates are slightly lower than other online-only accounts. However, they are much higher than other brick and mortar bank rates. The interest rates for the accounts are tiered. The more money you have in the account, the higher the interest rates you earn. has a variety of ATMs in network that customers are not charged a fee for using. If a different financial institution charges a fee, will refund the fee.

To earn the highest interest rates, requires a large account balance. The money market account requires a $100,000 balance to earn the highest rates. MMA balances over $1,000 earn interest, just a slightly lower rate. The checking account requires $10,000 in the account to earn the highest interest rates. The CDs require $2,500 to open and earn interest. only offers personal deposit accounts. There are no business accounts available. The personal deposit accounts include checking and money market accounts, and CDs. There is only one checking and money market account to choose from. The CDs range in terms from 91-days to 5-years.

The amount required to open a money market account or CDs is high. The money market account requires $1,000 to open. Each of the different CD terms require $2,500 to open. There is no monthly fee for the money market account. accounts offer person to person payment through PayPal. There is a fee for each transaction. The fee is $0.50 per transaction made. You can upload bank information into Quicken or QuickBooks for a fee.

Cool Things

Free Checks

When you open an interest checking account with, you receive 100 free checks. Opening a money market account will allow you 30 free checks. A free debit card comes with the checking account and the money market account.

History started in 1999. It is an online division of Centennial Bank. Centennial Bank offers personal, business, and retail accounts. Centennial Bank has branch locations in four different states; Arkansas, Florida, South Alabama, and New York. does not have any branch locations. They are an entirely online bank. offers personal deposit accounts. Those accounts have higher interest rates than other brick and mortar banks. Checking account, money market account, and CDs are offered. Everything for your account is online. You can reach customer service by phone, mail, or email.

Frequently Asked Questions

Is This Bank FDIC insured?

Yes. is FDIC insured. The FDIC is an agency of the United States government that protects funds deposited in banks, up to $250,000 per customer, per bank. The money deposited in FDIC insured banks means money is backed by the full faith and credit of the United States government.

How do I access my money?

With checks, ATM or debit cards, bill pay, or by electronic transfers.

Does this bank offer mobile banking? offers online banking. No mobile app or mobile check deposit is listed on the website. With online banking, you can transfer funds, view account balances, and pay bills.

Is this a good bank?

The interest rates are competitive. To get the best rates requires high account balances. is entirely online. There are no branch locations. does not have any monthly fees.

Is this bank free?

Yes. There are no monthly fees for the checking account or money market account. The only fee for CDs is if you withdraw your money before the maturity date.

Is this bank secure online? accounts are password protected. Online transactions are encrypted. You can sign up to receive alert texts for each of your accounts.

Does this bank offer competitive interest rates?

The interest rates are competitive, but other online accounts offer higher rates. rates are much higher than your typical brick and mortar bank rates.

Can I use this bank for my business accounts?

No. only offers personal deposit accounts. A checking account, money market account, and CDs are the personal deposit accounts offered.

How is the online bank different from the online banking my bank offers?

The interest rates are higher than your typical brick and mortar rates. There are no branch locations. Everything for your account is online.

Do their checking accounts pay interest?

Yes. Any amount over $1,000 earns interest. To receive the highest interest rate offered requires $10,000.

How do I reach customer service?

By phone, mail, or email. Customer service is open from 9 a.m. to 6 p.m. EST, Monday through Friday. They close on all federal holidays.

Does this bank offer bill pay?

Yes. The bill pay at is free for basic services. To have a check rushed will have a fee.

Can I deposit cash?

No. There are no branch locations to deposit cash. Make deposits by mailing a check or by a direct deposit. You can also make a wire transfer or electronic transfers.

How long do transfers take?

Specific transfer times are not listed on the website.

Can I sign up for direct deposit to this account?

Yes. Directly deposit money into checking and money market accounts.

Bank Contact Information
P.O. Box 100970
Ft. Lauderdale, FL 33310-7899

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