Most Banesco USA accounts have low opening required amounts. The personal deposit checking and savings accounts only require $100 to open. The personal deposit CDs require $1,500 to open.

Banesco USA has a good variety of accounts. They offer personal checking, savings, and money market accounts. They offer personal and business CDs with terms from 3-months to 60-months. They offer business checking, savings, and money market accounts. Banesco offers personal and business international banking accounts, along with lending options.

The Banesco USA accounts offer competitive interest rates. The rates are competitive with other online accounts. The rates are much higher than typical bank rates.

There are a variety of ways to contact customer service. You can call during business hours or can have Banesco call you. You send an email, and customer service will call you. You can visit a local branch location or follow Banesco on social media. You can access account information anytime through BanescoVoice or logging in online.

Not all Banesco USA accounts can be opened online. To open their checking accounts, you must contact customer service. Other accounts may not be able to open online. Personal deposit money market and savings accounts can be opened online. Personal deposit CDs are also able to be opened online.

Most Banesco USA accounts have monthly fees. The fees range from $5 to $15 each month. To waive the fees, you must keep a set account balance in the specific account. This balance is not a combination of Banesco USA accounts. Those balances range from $100 to $2,500 depending on the account.

The Banesco USA money market accounts have high opening required amounts. Each of the personal deposit money market accounts require $2,500 to open. You must keep that amount in the accounts to avoid a monthly fee. If the amount falls below $2,500, the fee is between $5 to $15 per month.

Some Banesco USA accounts have tiered interest rates. The BanesFlex money market account requires $2,500 to earn any interest. But, to earn the most competitive rate offered you must have $100,000 in the account. Balances under this amount earn a much lower rate. The BanesGrown savings account only requires $300 to earn the most competitive rate.

Read the full Banesco USA review.

There are a variety of accounts available from GTE Financial. They offer personal savings, checking, and money market accounts. They offer personal CDs, loans, and credit cards. They also offer business accounts and accounts specifically for students.

GTE offers CDs and a checking account with competitive interest rates. The rates are competitive with online accounts. These account interest rates are much higher than typical bank rates. To earn the most competitive rate on the checking account, you must meet set requirements. That includes receiving eStatements, having a direct deposit over $500, and 15 debit card transactions each month.

GTE accounts have low amounts required to open. The savings accounts only require $5 to open. To earn interest requires $100. Each of the CD terms require $500 to open. The checking accounts do not have a required amount to open.

GTE Financial CDs offer an Add-On Feature. This allows you to add money any time during the CD term. You must add at least $20 each time you add money to the CD. Sometimes there is a limit of $6,000 you can add to the CD. GTE Financial offers promotions where there is not a cap on the amount you can add to the CD.

Before you can open an account with GTE Financial, you must first become a member of the credit union. You are eligible to join if a family member is a member of the credit union or if you work for a specific company. Your business can join, and living in certain areas makes you eligible to join. If these don’t work, you can join CU Savers, a non-profit educational financial club. There is a one-time $10 fee to become a member.

GTE Financial has daily withdrawal limits. You can withdraw up to $500 per 24-hour period from an ATM. There is a $5,000 limit that you can transfer from another bank into a GTE Financial CD.

The money market account with GTE Financial has tiered interest rates. To earn the most competitive rate on your money requires a balance of $100,000. Balances below this amount earn interest, just not the most competitive rate.

Most GTE Financial accounts have monthly maintenance fees. The checking account fees range from $4.95 to $9.95 each month. The Go Premium checking account has a fee of $4.95. There is no way to waive this fee. You can pay the fee with Go Points, but you cannot waive the monthly fee. There are ways to waive the other checking account fees.

Read the full GTE Financial review.