-
Financial Rates:
4.0
-
Customer Service:
4.0
-
Website Experience:
5.0
-
Bank Fees:
4.0
Pros:
- ATM fees are reimbursed
- Business accounts offered
- Low opening deposits for most accounts
- Savings accounts do not have a fee
Cons:
- CDs have high opening deposits
- Not all information listed on website
- Fees for withdrawals and deposits
- Accounts have low-interest rates
-
Financial Rates:
3.5
-
Customer Service:
4.0
-
Website Experience:
5.0
-
Bank Fees:
5.0
Pros:
- High interest rates
- No monthly fees or required amount
- PurePoint Best Rate Commitment
- Financial centers available
Cons:
- High opening deposits
- CD deposit requires single transaction
- Only savings account and CDs offered
- Online transfers require linked account
EH National Bank offers an ATM/debit card with their accounts. There is no fee to withdraw money from an EH National Bank ATM. If you withdraw money from a different ATM, they will reimburse the fees. EH National Bank reimburses up to $25.00 toward ATM fees each month.
There are a variety of different business accounts offered through EH National Bank. Checking, savings, and money market accounts are offered. CDs for businesses are also available. Each of these accounts offers online banking and remote deposit.
Most of the EH National Bank accounts do not have a required opening deposit. The checking, money market, and savings accounts do not have set amount to open the account. Only the CDs and retirement accounts have a required opening deposit.
The savings and money market accounts with EH National Bank do not have a monthly fee. The CDs only have a fee if you withdraw to money before the CD reaches maturity.
To open a CD through EH National Bank requires a large opening deposit. Each CD requires $10,000 to open. There are only four different CD terms offered. Those terms are three-month, six-month, 12-months, and 24-months.
The interest rates for EH National Bank are not listed on the website. To find out the rates you must call and speak with a customer service representative. You must also contact a representative to see the disclosure forms on the accounts. It is not listed how much money is required to keep in the money market, savings, or interest-bearing checking account.
EH National Bank checking accounts do not have a regular monthly fee. The fee comes if you make more than a set amount of withdrawals or deposits each month. After the allowed number, you will be charged for each additional transaction. EH National Bank allows 150 checks or debit transaction per month. If you make more, you are charged $0.30 per item. They allow 100 deposited items each month. After that, it is $0.10 per transaction.
EH National Bank interest rates are low. They are not competitive with other online-only accounts. One EH National Bank checking account earns interest. The rates for the accounts are slightly higher than your typical brick and mortar banks. Their rates are lower than online-only accounts.
PurePoint offers competitive interest rates. The rates for their savings account and CDs are high. Earn more money off your money with these accounts.
PurePoint savings account does not have monthly fees. There is no required amount to keep in the account. If you do not keep the $10,000 in the account, you will earn lower interest rates, but there is not a fee. The PurePoint savings account is free.
PurePoint CDs offer the Best Rate Commitment. This helps to ensure you earn the best interest rates for your CD. After the application is complete, you watch the interest rates for ten days. The best rate from that 10-day period is the rate you will receive for the term of the CD.
PurePoint is an online bank. There are no monthly fees. The interest rates are competitive with other online accounts. However, PurePoint offers the low fees and high rates and has some financial centers. PurePoint has over 20 financial centers in Florida, Illinois, New York, and Texas.
PurePoint requires a large amount to open the account. The savings account and CDs requires $10,000 as the minimum deposit. If you do not have $10,000 in the savings account, you will not earn the high-interest rates offered. You will still earn interest on amounts under $10,000, but it will be a much lower rate.
The CDs and savings accounts require a large opening deposit. That deposit for CDs must be in a single transaction. Ten thousand dollars must be in the account to earn the competitive interest rates.
PurePoint only offers a savings account and CDs. The CDs offered vary in terms from six-months to five-years. They offer nine CD terms. PurePoint does not offer a checking account or a money market account. No business accounts are available.
You must link your PurePoint savings account to an external bank account. Since PurePoint does not offer a checking account, an external bank account is necessary. This allows you to transfer funds online into and out of your PurePoint savings account. You can also transfer money into the account by sending a check in the mail, a wire transfer, or a mobile deposit.
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| Savings (Rate as of 12/21/2024) | |
| APY | 3.80% |
|---|---|
| Rate | 3.73% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. | |
| Savings (Rate as of 12/21/2024) | |
| APY | 4.75% |
|---|---|
| Rate | 4.65% |
| Min to Open | $500 |
| Min to Earn APY | $500 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. | |
| Savings (Rate as of 12/21/2024) | |
| APY | 3.80% |
|---|---|
| Rate | 3.80% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. Promoted offer: It only takes about 5 minutes to open a fee-free account. |
|
| Savings (Rate as of 12/21/2024) | |
| APY | 4.40% |
|---|---|
| Rate | 4.30% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. Promoted offer: No monthly maintenance fee, $0 to open, easily grow your money |
|
| Savings (Rate as of 12/21/2024) | |
| APY | 4.46% |
|---|---|
| Rate | 4.46% |
| Min to Open | $500 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. | |
| Savings (Rate as of 12/21/2024) | |
| APY | 4.35% |
|---|---|
| Rate | 4.35% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. Promoted offer: $200 Bonus w/ Tiered Savings Account and Qualifying Activities |
|
| Savings (Rate as of 12/21/2024) | |
| APY | 4.35% |
|---|---|
| Rate | 4.35% |
| Min to Open | $100 |
| Min to Earn APY | $5,000 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. Promoted offer: CIT Bank, a division of First Citizens, 125+ years of experience. |
|
| Savings (Rate as of 12/21/2024) | |
| APY | 4.30% |
|---|---|
| Rate | 4.21% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. | |
| MMA (Rate as of 12/21/2024) | |
| APY | 4.10% |
|---|---|
| Rate | 4.02% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | Yes |
| Member FDIC. | |
| Savings (Rate as of 12/21/2024) | |
| APY | 4.10% |
|---|---|
| Rate | 4.10% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. | |
| Savings (Rate as of 12/21/2024) | |
| APY | 4.75% |
|---|---|
| Rate | 4.64% |
| Min to Open | $1,000 |
| Min to Earn APY | $1,000 |
| Monthly Fee | $5.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. | |
| Savings (Rate as of 12/21/2024) | |
| APY | 4.75% |
|---|---|
| Rate | 4.75% |
| Min to Open | $10 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| FDIC insured at program banks†. Promoted offer: var. APY a/o 11/8/24. New customers only. Betterment LLC, not a bank |
|
| Savings (Rate as of 12/21/2024) | |
| APY | 4.10% |
|---|---|
| Rate | 4.02% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. | |
The rate information is obtained by Bankrate from the listed institutions. Bankrate cannot guarantee the accuracy or availability of any rates shown. Institutions may have different rates on their own websites than those posted on Bankrate.com. The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where, and in what order products appear. This table does not include all companies or all available products.
All rates are subject to change without notice and may vary depending on location. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own website where you can find additional information. Those with a paid link are our Advertisers. Those without a paid link are listings we obtain to improve the consumer shopping experience and are not Advertisers. To receive the Bankrate.com rate from an Advertiser, please identify yourself as a Bankrate customer. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration.
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1 APY stands for Annual Percent Yield. It's different from Rate because it takes into account compounding interest for the year.
2 MMA stands for Money Market Account. It's a savings and checking hybrid, allowing you to earn interest and use checks 6 times a month.