5Star Bank offers a variety of accounts. They offer personal deposit and business accounts. These include:

• 5Star checking account
• E-Checking account
• Basic savings account
• Money market account
• CD terms from six-months to five-years
• IRA CDs from 18-months to five-years
• Lending options
• Credit cards
• Business checking and money market accounts
• Business CDs from six-months to five-years
• Business lending and credit options

5Star Bank has low amounts required to open their accounts. The E-Checking requires $50. The 5Star checking and the basic savings account require $100 to open. Both the money market account and the different CD terms require $1,000 to open.

The 5Star checking account refunds up to five ATM transactions fees per month. You must keep at least $1,000 in the checking account to have ATM transactions refunded. The E-Checking account does not offer ATM reimbursement.

The basic 5Star savings account offers competitive rates. The rates are higher than typical brick-and-mortar rates. This account only requires $100 to open and keep in the account to waive the monthly fee. Any amount in the account earns the competitive rate. These rates are not tiered.

To earn the most competitive rates for the money market account requires an account balance over $1 million. Any balance over $1,000 does earn interest but a lower rate. The rates gradually increase the more money you have in the account.

Most 5Star Bank accounts have monthly maintenance fees. The savings account fee is $2. The money market fee is $5, and the checking account fee is $7. Waive each of these fees by keeping a set amount in the accounts. Those balances range from $100 to $1,000, depending on the account.

5Star has daily limits for your debit card. The limit for point of sale purchases is $1,000 per day. The daily limit for ATM withdrawals is $300.

Accounts through 5Star Bank are not available to open entirely online. To open the accounts, you need to visit a branch location. You may be able to open the accounts through the mail. Contact customer service for more information.

Read the full 5Star Bank review.

Axos Bank offers a good variety of bank accounts. They offer cash-back and interest-earning checking accounts. They offer a checking account for those over 55 and for teens. Axos offers money market and savings account, along with CDs. Their CD terms range from three to 60 months. Axos offers checking, savings, and money market accounts for businesses. They also offer lending options for personal accounts and business accounts.

The Axos Bank accounts offer competitive interest rates. The rates are slightly lower than other online accounts but still competitive. Axos Bank interest rates are much higher than typical bank rates. There is not a set account balance required to earn interest.

The Axos Bank accounts do not have monthly fees. The accounts do not have set balances that you must keep in your account to avoid fees. These accounts are free. The only accounts with a fee are the Second Chance and World checking accounts. That fee is $6.95 a month with a direct deposit for the Second Chance account. The World checking account fee is $30 if your balance falls below $150,000.

The minimum opening required amount for Axos accounts are low. Most of the Axos checking accounts require $50 to open. The World checking account requires $75,000 to open. The savings accounts require $50 to open. The High Yield savings and IRA savings accounts requires $250. The High Yield money market account and CDs both require $1,000 to open.

The Axos Rewards checking account has requirements to earn competitive interest rates. The more requirements you meet, the more interest you earn. To earn the most competitive rate, you must have a direct deposit into your account and make 15 debit card transactions each month.

Most Axos accounts have tiered interest rates. To earn the most competitive interest rates requires a high account balance. The highest tier requires more than $100,000 in the account. Some checking accounts will not earn interest if the balance is over $150,000.

Not all the rate information for Axos accounts is on the website. The disclosures say accounts have tiered interest rates. The Axos website does not list the rates for the different tiers. To find the specific rates for the tiers call customer service.

Interest rates for Axos accounts may change without notice. This applies to their checking, savings, and money market accounts. The rates are subject to change without giving the customer notice. The interest rates on CDs are also subject to change at the bank's discretion.

Read the full Axos review.