Most Dime accounts have a low required opening amount. All the checking accounts only require $25 to open. The money market account requires $1,000, and CDs require $500. The club savings accounts only require $5 to open.

Some Dime CD terms offer competitive interest rates. The rates with the most competitive terms are the 4, 24, 36, 48, and 80-month CDs. The rates for these accounts are competitive with other online CDs. Dime CDs can be opened in a branch location.

Dime offers a variety of personal accounts. The accounts include:

• Statement savings account
• Student savings account
• Money market savings account
• Club savings accounts
• Personal checking
• Fabulous 50 Interest checking
• Direct Interest checking
• Prime Dime Interest checking
• CDs from three months to 84-months
• Retirement accounts
• Personal mortgage and lending options

Dime offers many business accounts. Savings, checking, and money market accounts are available for businesses. CDs and lines of credit are available. Business account holders have access to different money management options. Online and mobile banking are also available for business accounts.

You cannot open Dime accounts online. To open a CD and savings account, you must visit a branch location. To open a checking account, you can call customer service or visit a local branch. Dime has branch locations in New York.

Most of the interest rates offered on Dime accounts are not competitive. The interest rates are similar to typical brick-and mortar-rates. Only a few CDs offer interest rates competitive with online-only accounts.

Some Dime accounts have monthly fees. The fees range from $4 to $10 a month. Waive the fees by keeping a set account balance. Those balances range from $500 to $1,500, depending on the account.

All Dime branch locations are in New York. If you do not live close to a branch, you are not able to open those accounts. You must visit a branch location to open Dime accounts. They have 28 branch locations around New York.

Read the full Dime Community Bank review.

Pacific National Bank offers specific online-only accounts. These accounts include a money market account and 12- month and 17-month CDs. The interest rates are competitive. These account rates are much higher than regular bank rates. The minimum amount required to open the money market account is $5,000. This is also the required balance to avoid a monthly fee. The CDs require $1,000 to open.

Along with online accounts, Pacific National Bank offers a variety of in-branch accounts. That includes personal deposit accounts and business accounts. Savings, checking, and money market accounts are available for personal and business accounts. CDs and lending options are also available.

Pacific National Bank CDs have low opening required amounts. Each of the CDs require $1,000 to open, including the online CDs. The only fee for CDs is withdrawing money before the maturity date.

The Pacific National Bank online accounts offer competitive interest rates. These account rates are competitive with other online-only accounts. These rates are much higher than the in-branch account rates. Online accounts are only offered to new customers to Pacific National Bank.

To earn the most competitive interest rates requires a large average balance. The in-branch and online MMA require $10,000 to earn the competitive interest rate. The checking account requires $2,500 to earn interest.

Accounts with Pacific National Bank have high opening required amounts. The interest earning checking account requires $2,500 to open. International customers require $7,000 to open the account. The money market account requires $5,000 for domestic customers. International customers must have $10,000 to open money market accounts.

Pacific National Bank accounts have tiered interest rates. To earn the most competitive rates requires a large balance in the accounts. The savings account requires a $50,000 balance to earn the most competitive rate. The money market accounts and the SuperNow checking require $1,000,000 for the highest rate. Amounts under these balances still earn interest, just not the most competitive rates.

Pacific National Bank accounts have monthly fees. The fees range from $10 to $25 each month. Waive the monthly fees by keeping a set amount in the accounts. Those amounts range from $500 to $5,000 depending on the account.

Read the full Pacific National Bank review.