earn.bank accounts offer competitive interest rates. The rates are competitive with other online accounts. Their interest rates are much higher than typical bank rates.

The money market account through earn.bank has a low opening required amount. To open this account only requires $100.

The earn.bank money market account does not have tiered interest rates. You do not have to have a set amount in the account to earn the most competitive interest rate.

All earn.bank accounts are entirely online. You can open their money market account or CD terms from anywhere. Because they are an online bank, the interest rates are much higher than typical bank rates. To open an account, you must have a social security number and a government issued ID. You must have the amount required to open the account. You can fund the initial amount with a credit card, or external savings or checking account.

To open a CD with earn.bank requires a large sum. Each of the CD terms require $25,000 to open. The CD terms available are a one-year and a two-year.

The money market account has a monthly maintenance fee of $10. To waive this fee requires an account balance of $10,000. This fee is not assessed for the first three months of opening the account. After that time, if you do not have a $10,000 balance, you will be charged $10 each month that the balance is below $10,000. There is also a $25 paper statement fee. Avoid this fee by signing up for electronic statements.

The easiest way to withdraw money from your MMA is to link the account to an external account. The linked account allows you to also deposit money easily into your earn.bank accounts. You can withdraw money through a wire transfer by calling customer service.

earn.bank does not offer a wide variety of accounts. They only offer one personal deposit money market account and two CD terms. The CD terms offered are a one-year and two-year term. They do not offer checking accounts, savings accounts, or business accounts.

Read the full Earn Bank review.

Chase Pay is a digital wallet. It makes purchases easy. Pay for gas without getting out of the car. Pay without transferring your card number to websites and apps with the Chase Pay logo. You can use the QR code at stores. Coupons are automatically added to your favorite stores.

Chase Pay lets you use your Chase Ultimate Reward points to make purchases. This keeps your information secure and up to date. Thousands of places accept Chase Pay including Walmart and Best Buy. You still earn reward points when you use Chase Pay. This cannot be used with subscriptions like Netflix or Amazon Prime or outside the U.S.

Chase Liquid is a reloadable card. Opening deposit is $25. Money is directly deposited on the card. Money can be deposited through Chase QuickDeposit, direct deposits, or you can transfer money from other accounts to the cards. With the Chase Liquid card, you can make purchases, withdraw cash, pay bills, and use Zelle. It offers zero liability protection for unauthorized transactions. There is a $4.95 monthly fee to use Chase Liquid.

Chase Credit Journey helps get your credit under control. This is free to anyone, not just Chase customers. Get email alerts about changes to your credit. Check your credit score anytime for free, without hurting your score. Credit Journey shows how credit is affected when debts are paid off, or new accounts opened. Using this tool helps prevent fraud.

Deposits are easy with Chase QuickDeposit in the Chase Mobile App. Snap a picture of your check and follow the instructions. Make a deposit anytime, anywhere from a mobile phone or tablet. Step-by-step instructions are on their website.

Not all Chase products and features are offered in all areas. Input your zip code to learn what products are available in your area.

All Chase accounts, except CDs, have fees. Savings and checking accounts have a monthly maintenance fee. The fees range from $5 to $25. Waive fees by having a minimum balance in the account, or by linking a checking and savings account together. Direct deposits or automatic payments waive the monthly fees as well.

Every account with Chase needs a minimum of $25 to open. Some accounts require $100 as the opening balance.

Savings and checking accounts require a daily balance to avoid fees. The daily balances range from $1,500 to $100,000. If you cannot maintain this amount, you will have to use one of the other ways to have your fees waived.

Read the full Chase Bank review.