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 There is a withdrawal fee if not withdrawn during the designated time.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.

IncredibleBank accounts do not have monthly fees. The checking and savings accounts are completely free accounts. The CDs do not have a monthly fee. The only fees are from withdrawing your money before the CD reaches maturity.

The interest rates on the IncredibleBank saving account and CDs are high. They are competitive with other online-only accounts. The interest rates are much higher than your typical brick and mortar interest rates. Even the interest rates offered for lower balances in the accounts are competitive.

IncredibleBank offers a money market account specifically for businesses. This account comes with free online banking, mobile banking, and bill pay. To open the account requires $2,500. If your balance falls below $2,500, a fee of $10 will be charged. There is a $5 monthly fee if you do not sign up for electronic statements. This account earns a competitive interest rate for money market accounts for businesses.

With an IncredibleBank checking account, you will be reimbursed for domestic ATM fees. ATMs through the MoneyPass network are free. If you use an ATM not part of that network, IncredibleBank will reimburse you the fee you are charged. This does not apply to international ATM fees.

The required amounts to open IncredibleBank accounts are high. The opening required amount for checking accounts are $500. To open a savings account with IncredibleBank requires $2,500 to open. All the different CD terms require $1,000 to open.

IncredibleBank has a limited amount of accounts available. There is only one checking account and one savings account to choose. IncredibleBank offers CDs, but only three different term lengths. Those terms are a 12-month, 24-month, and a 36-month term.

To earn the highest interest rates, IncredibleBank requires a large balance. The savings account requires $25,000 to earn the highest rate offered. Balances below that amount still earn competitive interest rates. The lower rates are higher than your typical brick and mortar bank rates.

The IncredibleBank checking account does not earn interest. To open the account requires $500. The account does not have monthly fees or a required amount, but you do not earn interest on the account. Only the savings account and CDs through IncredibleBank earn interest.

Read the full IncredibleBank review.