You can withdraw money from any ATMs with the specific “Plus” logo. If you withdraw money from another ATM, you are reimbursed for the fees charged. CalFirst will reimburse up to $6.00 each statement cycle in ATM fees.

Most CalFirst accounts offer competitive interest rates. The interest rates are not tiered, so you earn the highest rates offered on any balance in the account. Interest is paid monthly on the actual daily balance.

The interest rates for CalFirst accounts are not tiered. Any amount you have in their accounts earns the competitive interest rates. You do not have to have a certain amount in the account to earn the most competitive rates.

The first order of checks is free when you open an interest checking account. You get an ATM card when you open an interest checking account. Free online bill pay comes with each CalFirst checking account opened.

CalFirst does not have a wide variety of accounts. No business accounts are available, only personal deposit accounts. One money market account and savings account are available. There is an interest checking and one regular checking account. CalFirst only offers five different CD terms.

CalFirst accounts have high opening amounts. The money market account and CDs require $5,000 to open. The interest checking account requires $2,500 to open. The savings account and regular checking account both require $1,000 to open.

The accounts at CalFirst all have a monthly fee. The fees range from $10 to $20 a month, depending on the account you open. Waive the fee by keeping a set amount in CalFirst accounts. You can also have a combined balance between a variety of CalFirst accounts.

Not all the CD terms offer competitive rates. The most competitive rates are the three-month, six-month, and the one-year terms. The two-year and three-year terms have interest rates much lower than the other terms. Regular CDs require $5,000 to open. The IRA CDs require $2,000 to open. The only fees are if you withdraw the money before the maturity date.

Read the full California First National Bank review.

Accounts offered through Alliant do not have monthly maintenance fees. The only fee is if you receive paper statements. To keep the account open requires a $5 balance. To earn interest does require $100 in all the savings accounts.

Alliant participates with over 80,000 ATMs free of charge. If you withdraw money from an ATM not in their network, Alliant will reimburse those fees. They reimburse up to $20 per month in ATM fees. Deposits, withdrawals, transfers, and checking account balances qualify for a rebate. The high rate checking, and teen checking account qualify for ATM reimbursement.

The amounts required to open Alliant accounts is low. The savings accounts require $5 to open. The checking accounts do not list a set amount to open. All the regular CD terms require $1,000 to open. Alliant does offer jumbo CDs, but they require $25,000 to open.

Alliant offers a good variety of personal accounts. They offer a free, high-rate, and teen checking account. They offer two savings accounts and a savings account for kids. Personal credit cards, lending options, and insurance options are also available.

To open Alliant accounts, you must become a member of their credit union. You must meet qualifications to become a member. Those requirements include working with specific companies or be related to someone who is a member of Alliant. If you do not meet those requirements, you may be able to qualify through Support Foster Care to Success. Find out if you are eligible on the Alliant website.

Alliant does not offer specific business accounts. Only personal deposit accounts are available. Those accounts include savings accounts, checking accounts, and CDs. Personal credit cards, lending options, and insurance are also offered.

The interest rates on Alliant accounts are not tiered. To earn the most competitive interest rate, you must meet specific qualifications. Those include receiving eStatements and having at least one monthly electronic deposit. Direct deposits help you qualify.

The Alliant jumbo CDs interest rates are only slightly higher than the regular CD rates. The jumbo CDs require $25,000 to open, but do not offer much higher rates than the regular CD rates. The regular CDs require $1,000 to open. Alliant offers six regular and six jumbo CDs.

Read the full Alliant Credit Union review.