Digital Federal Credit Union offers a wide variety of personal deposit accounts. These accounts include:

• Free checking with different benefit levels
• HSA checking
• Primary savings
• Money market savings
• Ltd. savings
• Holiday Savings Club
• Regular CDs with terms from 3 to 60 months
• Jumbo CDs from 3 to 60 months
• Jump-Up CDs with a 15-month and 27-month term
• QuickStart CDs from 3 to 60 months
• Loans and credit cards
• Business accounts and lending options

The Primary savings account offers competitive interest rates. For the first $1,000, you earn over a six percent interest rate. Any amount over $1,000 earns a lower rate of 0.25 percent. Between the two rates, the account earns competitive interest rates. The Primary savings account is the account you must open to become a member of DCU.

You can open all DCU accounts online. You do not need to visit a branch location to open the accounts. To open DCU accounts, you must be at least 18 years old. You must provide a government-issued ID and Social Security Number. Your address, phone number, and date of birth are also required.

The highest amount required to open a DCU checking or savings account is only $5. To earn interest for some accounts requires a larger balance. The CDs require $100 or $500, depending on the CD. Jumbo CDs require $25,000. DCU accounts do not have monthly fees or a required amount to keep in the account to avoid a fee.

To open an account with DCU, you must become a member of the credit union. You become a member by opening the Primary savings account with at least $5. Once you open that account and become a member, you can open any other DCU account.

The DCU money market account has tiered interest rates. To earn the most competitive interest rates requires a balance of at least $100,000. Lower balances earn interest, just not the highest rate.

The Ltd. savings account requires a balance of $25,000 to earn any interest. Any balance over $25,000 earns the most competitive rate, but balances below do not earn any interest.

Only one withdrawal is allowed per month from the Ltd. savings account. For every other withdrawal, there is a fee of $25. To earn interest on this account requires a balance of $25,000. There is no required amount to open the account.

Read the full DCU review.

There are no monthly maintenances fees for NBKC Bank accounts. There are no required amounts to keep in the accounts to avoid fees. NBKC accounts are completely free.

The opening required amounts for most NBKC accounts are low. The personal account and money market account only require $5 to open and earn interest. The health savings accounts do not have a set amount required to open. Each of the CD terms require $1,000 to open.

The accounts offered through NBKC Bank offer competitive interest rates. The rates are competitive with other online accounts. They are much higher than typical brick and mortar bank rates.

The interest rates for NBKC Bank are not tiered. Any amount over $0.01 earns the most competitive interest rates offered. You will receive a slightly lower interest rate if you have more than $1 million in NBKC accounts. Any amount from $0.01 to $1 million earns a competitive interest rate.

NBKC Bank offers four special CDs. Those terms include a seven-month, 12-month, 14-month, and 18-month CDs. These CDs earn more competitive interest rates than the other accounts. The seven-month and 14-month CD terms require $25,000 to open. The 12 and 18-month CDs require $1,000 to open.

NBKC Bank offers personal and business accounts. The only personal accounts offered are a checking and money market account, with some CDs. There are some business accounts available. Other accounts may be offered if you contact the bank directly.

There are fees to make wire transfers with NBKC Bank. To send a domestic wire anywhere in the United States has a $5 fee. To send or receive an international wire has a fee of $45.

Customer service for online accounts is not available anytime. They have specific hours at their branch locations. The hours are from 8 a.m. to 5 p.m. Central Time. Some branch locations are open from 9 a.m. to 5 p.m.

Read the full NBKC Bank review.