Customers Bank accounts offer free ATM transactions at PLUS and NYCE ATMs. The Convenience checking account offers ATM fee refunds. To qualify for the refunds, you must have at least $5,000 in Customers Bank accounts.

There are a variety of personal deposit and business accounts available. Those include:

• Convenience checking
• Free checking
• Bonus checking
• Money market account
• Reserve savings
• CDs from 3-60 months
• Loans and mortgages
• Business accounts and lending options

The personal deposit accounts with Customers Bank have low opening required amounts. Each of the checking and savings accounts only require $10 to open. The money market requires $50 to open. The CDs require $500 to open.

The Bonus checking account earns competitive interest rates if you meet the qualifications. That requires you to spend $500 a month using your debit card. Those rates are much higher than the standard rates and are competitive with other online checking accounts. To open the Bonus checking account, you must use new money. You cannot use money already in a Customers Bank account.

Most of the accounts with Customers Bank do not offer competitive interest rates. The accounts offer rates similar to traditional bank rates. Customers Bank used to offer accounts with competitive interest rates. Those accounts are no longer available.

Not all accounts at Customers Bank can be opened online. Some accounts require visiting a branch location to open. They have branch locations in eight states. Not all products are available at every location. Contact customer service to see which accounts are available near you.

Money market accounts at Customers Bank have tiered interest rates. To earn the most competitive rates requires $250,001. Even the most competitive rate is not competitive with other online money market accounts.

Some Customers Bank accounts have monthly fees. The Convenience checking account has a monthly fee of $29 if you do not meet the requirements. You must keep a $5,000 balance in Customers Bank accounts to waive the fee. The money market account has a $5 fee if your balance falls below $1,000. The retirement savings account has a $5 fee if your balance falls below $100.

Read the full Customers Bank review.

Most of the Dime accounts only need $25 to open the account. Those accounts include checking, savings, and money market accounts. The cost to open a CD is $500. The money market account requires $500 to establish the account. The minimum amount per check is $500 for money market accounts.

The myDime Student account is a basic checking account for students. There is no minimum balance to open the account. This account refunds fees charged from using other banks ATMs. myDime account offers an "oops rebate." Students are refunded the fee of one overdraft per calendar year. Online, mobile banking and bill pay are available. When students open this account, they receive three free deals from DimePerks.

DimePrime offers free withdrawals from any ATM. If you use a non-Dime ATM, they will refund the ATM fees. They refund up to $10 each month in ATM fees. To qualify for DimePrime, you must have $15,000 in Dime checking and savings accounts. Another option to qualify is to have a consumer or residential Dime loan balance of $150,000.

Dime offers a variety of business accounts. Checking, savings, and money market accounts are available for your business. CDs, commercial mortgages, loans, and credit lines are also available.

Even when you meet the required account balance to earn interest on your accounts the interest rates are low. Only a few of the CD term interest rates are competitive. All other interest rates are considerably lower than other online-only banks. They are competitive with typical banks.

To open an account with Dime, you have to visit a local branch. Their branches are in southeast Connecticut and west Rhode Island.

Since you have to visit a branch to open an account, accounts are not available everywhere. To be an account holder, you must live in southeast Connecticut or western Rhode Island.

Most all Dime accounts have a monthly service fee. The fees vary in range from $2 to $20 per month. The fees vary from accounts. To have the fee waived there are requirements you must meet. You must also have a certain amount in the accounts to earn interest.

Read the full Dime Bank review.