Charles Schwab refunds any ATM fees acquired worldwide. Unlike other banks, there is no limit to the number of times your ATM fee can be refunded. If you make use of ATMs, this is an ideal benefit.

There are no monthly maintenance fees for Charles Schwab savings or checking accounts. The checking account does have a fee, but the fee is waived when you open the brokerage account. The brokerage account is a requirement for a Charles Schwab savings or checking account.

Charles Schwab does not have a set amount you must keep in their savings and checking accounts. You will earn interest on whatever amount you deposit with no monthly fees.

Charles Schwab has a wide variety of products to help you invest and trade. They offer accounts for trusts, college, retirement, small businesses, and IRA accounts. Their website offers tools and advice in these different areas. This can help ensure you open the right account for you.

When you open a Charles Schwab checking account, you have to open a Schwab One brokerage account. Opening this account waives the checking account fee. There isn't a required amount to keep in either account, but you must open both accounts.

The interest on their checking account is competitive with other banks for low account amounts. The interest on their savings account is slightly higher than typical banks. The savings account rates are significantly lower than other online banks.

To open a savings account, you must download an application, fill it out, and send it back to Charles Schwab. Other banks let you open a savings account all online. You can open a checking account with Charles Schwab online, but not a savings account.

Charles Schwab CDs have a fee. They charge a set amount based on the CD opened. There is also a fee to sell based on a broker-assisted fee. The interest rates for their CDs are competitive with other banks, but there are fees.

Read the full Charles Schwab Bank review.

Quontic accounts earn competitive interest rates. These account rates are competitive with other online accounts. The interest rates are much higher than typical bank interest rates.

The required opening amounts for Quontic accounts are low. The regular savings account requires $100 to open. The checking account and money market account requires $500 to open. Each of the CD terms require $1,000 to open.

There are a variety of accounts offered through Quontic. They offer personal savings, checking, and money market accounts. They also offer personal CDs and IRA CDs. Quontic offers business accounts. Those include business checking and savings accounts. Quontic offers personal and business lending options, including reverse mortgages.

The Quontic checking account does not have a monthly fee. The money market account only has a fee if you receive a paper statement. That fee is $5 per month. If you opt into paperless statements, there will not be a fee on the account. Most Quontic accounts do not have a minimum balance required to keep in the account to avoid the fees. The regular savings does have a $3 fee if your account balance falls below $100.

Quontic accounts have tiered interest rates. To earn competitive rates on accounts requires a high account balance. To earn the highest rate for the MMA requires a balance over $100,000. The regular savings account requires a balance of $250,000 to earn the most competitive rate. Amounts over $5,000 for the MMA earn competitive interest rates, just not the highest. The regular savings account requires a $50,000 balance to earn a competitive rate.

The Quontic checking account earns very competitive interest rates. To earn those rates, you must meet the requirements. You must have 15 point-of-sale debit transactions and one ACH transaction in or out of the account. You must meet these requirements each statement cycle. If you do not meet these requirements, you will not receive the competitive rates.

Quontic Bank has limited CD terms available. They do not offer a CD term shorter than 12-months. The longest CD term is a 60-month term. There are five total CD terms available with Quontic Bank. Each CD requires $1,000 to open. The CDs and IRA accounts are only for personal deposit accounts.

Quontic offers over 90,000 surcharge-free ATMs. If you use an ATM not in their network, Quontic will not reimburse you the ATM fee. The ATMs in their network include AllPoint, MoneyPass, and SUM. The ATMs at Citibank branches are also included.

Read the full Quontic review.