Ally accounts offer competitive interest rates. The interest rates for the Ally savings account is 2.20% for all balances. The checking account earns 0.60% on balances over $15,000. The money market account and CDs also earn competitive rates.

Ally accounts do not have required opening amounts. You can open their accounts with any amount. There are no monthly fees for Ally accounts. They do not have set amounts required to keep in the account to avoid a monthly fee. The CDs have a fee if you withdraw money before the maturity date.

There are a good variety of personal accounts offered through Ally. These accounts include:

• Savings and money market account
• Interest checking account
• High yield CD
• Raise Your Rate CD
• No Penalty CD
• IRA CDs

When you open a CD with Ally, they offer a ten-day Best Rate Guarantee. For the first ten-days after opening your CD, Ally will watch the interest rates. If the rates increase during that time, the interest rate for your CD will increase. This guarantee is for new CDs as well as CD renewals.

Some Ally accounts have tiered interest rates. To earn the highest rates requires high account balances. The money market account requires $25,000 to earn the most competitive rates. The checking account requires $15,000.

There are limited ways to fund your Ally accounts. The easiest way to fund your account is through electronic transfers. Once your account is open, you can set up direct deposit with your employer. You can mail in a check or deposit a check through Ally eCheck Deposits. You cannot deposit cash into Ally accounts.

To make electronic transfers, Ally suggests linking an external account. You can then transfer money electronically between the linked account and Ally accounts. You can transfer money electronically between Ally accounts.

The standard time to transfer money from Ally to an external account is three business days. This time does not include weekends or holidays. If you need the money the next day, you must request the transfer before 7:30 p.m. Monday through Friday. Transfers between Ally accounts are immediate.

Read the full Ally Bank review.

EH National Bank offers an ATM/debit card with their accounts. There is no fee to withdraw money from an EH National Bank ATM. If you withdraw money from a different ATM, they will reimburse the fees. EH National Bank reimburses up to $25.00 toward ATM fees each month.

There are a variety of different business accounts offered through EH National Bank. Checking, savings, and money market accounts are offered. CDs for businesses are also available. Each of these accounts offers online banking and remote deposit.

Most of the EH National Bank accounts do not have a required opening deposit. The checking, money market, and savings accounts do not have set amount to open the account. Only the CDs and retirement accounts have a required opening deposit.

The savings and money market accounts with EH National Bank do not have a monthly fee. The CDs only have a fee if you withdraw to money before the CD reaches maturity.

To open a CD through EH National Bank requires a large opening deposit. Each CD requires $10,000 to open. There are only four different CD terms offered. Those terms are three-month, six-month, 12-months, and 24-months.

The interest rates for EH National Bank are not listed on the website. To find out the rates you must call and speak with a customer service representative. You must also contact a representative to see the disclosure forms on the accounts. It is not listed how much money is required to keep in the money market, savings, or interest-bearing checking account.

EH National Bank checking accounts do not have a regular monthly fee. The fee comes if you make more than a set amount of withdrawals or deposits each month. After the allowed number, you will be charged for each additional transaction. EH National Bank allows 150 checks or debit transaction per month. If you make more, you are charged $0.30 per item. They allow 100 deposited items each month. After that, it is $0.10 per transaction.

EH National Bank interest rates are low. They are not competitive with other online-only accounts. One EH National Bank checking account earns interest. The rates for the accounts are slightly higher than your typical brick and mortar banks. Their rates are lower than online-only accounts.

Read the full EH National Bank review.