E*TRADE accounts do not have set amounts required to open accounts. You can open the Premium savings, Max-Rate checking, and E*TRADE checking with any amount. To avoid a monthly fee may require a set balance, but not to open the account.

The interest rates for E*TRADE Bank accounts are not tiered. Any balance earns the most competitive interest rate. The highest rates are not competitive with other online-only accounts. But any balance earns the best rate.

E*TRADE Bank accounts offer unlimited ATM fee reimbursement. There are no ATM fees for money withdrawn from ATMs across the nation. To get a refund, you must meet certain qualifications. If you qualify for the refund, the money should be in your account by the end of the day of the ATM transaction. Not all accounts offer ATM fee refunds.

You can open E*TRADE accounts online. They are available for anyone to open across the United States. You can transfer money from external bank accounts into your E*TRADE account.

The E*TRADE Max-Rate checking account has a monthly fee. The fee is $15 a month. Waive the fee by keeping a set account balance in one account or an average in multiple accounts. Having a direct deposit over $200 waives the fee. Making a set amount of trades can also help waive the fees.

The types of personal accounts offered through E*TRADE Bank are limited to new customers. Those accounts include a savings account and two checking accounts. More accounts may be available once you become a customer.

The E*TRADE Bank accounts earn interest, but the rates are low. The interest rates are not competitive with other online accounts. Any account balance earns the most competitive rate. Even the highest rates are not competitive with other online accounts.

E*TRADE offers limited accounts for small businesses. They do not offer traditional accounts for small or commercial businesses. The accounts offered to small businesses include retirement accounts.

Read the full E*TRADE review.

There are a variety of accounts available from GTE Financial. They offer personal savings, checking, and money market accounts. They offer personal CDs, loans, and credit cards. They also offer business accounts and accounts specifically for students.

GTE offers CDs and a checking account with competitive interest rates. The rates are competitive with online accounts. These account interest rates are much higher than typical bank rates. To earn the most competitive rate on the checking account, you must meet set requirements. That includes receiving eStatements, having a direct deposit over $500, and 15 debit card transactions each month.

GTE accounts have low amounts required to open. The savings accounts only require $5 to open. To earn interest requires $100. Each of the CD terms require $500 to open. The checking accounts do not have a required amount to open.

GTE Financial CDs offer an Add-On Feature. This allows you to add money any time during the CD term. You must add at least $20 each time you add money to the CD. Sometimes there is a limit of $6,000 you can add to the CD. GTE Financial offers promotions where there is not a cap on the amount you can add to the CD.

Before you can open an account with GTE Financial, you must first become a member of the credit union. You are eligible to join if a family member is a member of the credit union or if you work for a specific company. Your business can join, and living in certain areas makes you eligible to join. If these don’t work, you can join CU Savers, a non-profit educational financial club. There is a one-time $10 fee to become a member.

GTE Financial has daily withdrawal limits. You can withdraw up to $500 per 24-hour period from an ATM. There is a $5,000 limit that you can transfer from another bank into a GTE Financial CD.

The money market account with GTE Financial has tiered interest rates. To earn the most competitive rate on your money requires a balance of $100,000. Balances below this amount earn interest, just not the most competitive rate.

Most GTE Financial accounts have monthly maintenance fees. The checking account fees range from $4.95 to $9.95 each month. The Go Premium checking account has a fee of $4.95. There is no way to waive this fee. You can pay the fee with Go Points, but you cannot waive the monthly fee. There are ways to waive the other checking account fees.

Read the full GTE Financial review.