Community First Bank offers a special savings account for Christmas. This account only requires $10 to open. You can set up automatic transfers for monthly, twice a month, or weekly. After October 1 of each year, you can withdraw an unlimited amount of times until the last day of December. Withdrawals are only allowed those three months. There is a withdrawal fee if not withdrawn during the designated time.

A variety of different business accounts are available. There are four different checking accounts, including one for a nonprofit. Community First Bank offers savings accounts, money market accounts, and CDs. Loans, credit cards, and retirement accounts are available for business accounts.

You can sign up for the Business Premium Package. This sets you up for a checking account, savings account, and a money market account. You also sign up for two other accounts from ten other options. HSA, credit cards, loans, and cash management all qualify. With the package, you receive 100 free additional transactions from your business checking.

The cash management lets you have different levels of authority on accounts. You decide what employees can see about customer accounts. You can add more users to the accounts. The premium option pays taxes and payroll. Cash management automatically deducts customer fees or payments.

You cannot open accounts online. Some account applications are available to download and send to the local branch. To open checking, savings, money market, CDs, and business accounts you must apply in a local branch. Community First Bank only has branches in Wisconsin.

To know the interest rates on Community First Bank accounts, you must call a local branch. The interest rates are not available on the website. You could earn higher interest rates on CDs by opening certain accounts.

The Community First Bank's money market accounts offer unlimited withdrawals. The withdrawals must be made in person at a local branch. You are only allowed six withdrawals from other methods per billing cycle. Those methods include withdrawals made by ATMs, checks, check cards, and electronic transfers.

The basic accounts have low opening balances. However, to earn the competitive interest rates, there is a high opening balance. The required amounts range from $1,000 to $10,000.

Read the full Community First Bank review.

Dollar Savings Direct does not require you to keep a specific amount in their accounts. There are no monthly fees for their savings account. As with all CDs, you will be charged a fee if you withdraw your money before the maturity date.

The interest rates for Dollar Savings Direct accounts are competitive. The interest rates are much higher than your typical brick and mortar banks. They are competitive with other online-only accounts. Any balance in the savings account and CDs earn the highest interest rates. There is not a specific amount required to earn those rates.

Everything for your Dollar Savings Account is online. You open your account online. To transfer money, you must link account to an external checking account. Transfer the money electronically between the two accounts. You can access everything for your account online.

Dollar Savings Direct has five different CD terms. Each of the different terms has competitive interest rates. All the CDs at Dollar Savings Direct required $1,000 to open. The terms range from six months to a five-year term. The longer the term, the higher the interest rates. Fees only apply if you withdraw the money before the maturity date.

Dollar Savings Direct only offers a savings account and CDs. No checking accounts or money market account are available. There are five different CD term lengths offered. Those terms are 6-months, one-year, 16-month, two-year, and five-year.

Dollar Savings Direct requires you link account to an external checking account. You can transfer money between the saving account and the linked external account. You can link another external checking account to the savings account after 60 days. The names on all accounts must match.

There are no business accounts offered through Dollar Savings Direct. The only accounts offered are personal deposit accounts. One saving account and five different CD term lengths are available.

Any deposit made into a Dollar Savings Direct savings account must be in the account for five days. You cannot withdraw the money until after the five days. Once the money is in the account five days, you can transfer the money.

Read the full DollarSavingsDirect review.