FirstBank offers a checking account for anyone over 55 years old. This account earns interest. There is no minimum balance to earn interest or required to keep in the account. This account does not have any fees, and direct deposit is not required.

The Anywhere Accounts are a savings and checking account. Both of these accounts do not have monthly fees. There is no minimum balance required to keep in the account. You can sign up to have money from transactions rounded up to the nearest dollar. The difference is deposited into your Anywhere eSave Savings account. Those transactions include debit transactions, bill pay, or other electronic transfers.

FirstBank offers accounts for businesses. Checking and money market accounts are available. There is a checking account offered specifically for nonprofits. There are no fees for the nonprofit checking and the basic business checking. The other accounts have a monthly fee.

Not just personal deposit accounts are available at FirstBank. Personal credit cards, home equity loans, and personal construction loans are available. Health Savings Accounts and accounts to help save for college are also offered.

Most FirstBank accounts have a monthly fee. The fees range from $5 to $20. The debit card has a yearly fee of $10. You are only allowed 25 deposits into the eSave Savings account per month. You are charged $0.10 for each item over 25.

Account interest rates at FirstBank are not competitive with other online banks. The interest rates are similar to your typical bank rates.

FirstBank offers products and accounts in Arizona, California, and Colorado. They have over 115 branch locations in these three states with over 200 ATMs. To open an account, you must live in one of these three states.

Online banking with FirstBank is only free if you sign up to receive electronic statements. The fee is $3 each month if you do not sign up. The money will be automatically withdrawn from your checking account on the first day of each month. If you want to receive paper statements, you must keep $10,000 in FirstBank accounts to waive the monthly fee.

Read the full First Bank review.

The interest rates for most Connexus accounts are competitive. The CDs and checking accounts offer rates competitive with other online accounts. The HSA and money market account also offer competitive rates. These rates are higher than typical brick-and-mortar bank rates. The Connexus regular saving account does not offer rates competitive with other online accounts.

The personal deposit accounts with Connexus do not have monthly maintenance fees. There are no required amounts to keep in accounts to avoid fees. The checking, money market, and savings accounts are completely free. The HSA account has a fee and the business checking account does as well, if your balance falls below $200.

The Connexus Xtraordinary checking account offers ATM fee reimbursements. ATM transactions are free at any Connexus, CO-OP, and MoneyPass ATMs. The Xtraordinary checking allows up to $25 in ATM fee refunds. You must meet the account requirements to earn the ATM refund.

Connexus Credit Union offers a good variety of personal deposit accounts. They offer:

• Xtraordinary checking account
• Teen checking account
• Money market account
• Savings account
• CD terms of 12, 24, 36, 48, and 60-months
• Holiday savings account
• Health savings accounts

To open Connexus accounts, you must first become a member of the credit union. Employees of certain businesses or residents of certain cities qualify to become members. Relatives of members also qualify. You can become a member with a one-time $5 donation to the Connexus Association. Just because you apply does not mean you qualify to become a member. It can take up to three business days to hear if you receive approval.

The CDs through Connexus Credit Union all have high opening balances. Each of the CD terms requires $5,000 to open. Their CDs include 12, 24, 36, 42, or 60-month terms. The interest rates are competitive for each term length.

The Connexus money market account has tiered interest rates. To earn the most competitive rates requires an account balance of $100,000. Balances below $100,000 still earn interest, just not the most competitive rate.

The Connexus checking accounts have requirements you must meet to earn competitive rates. Those include eStatements, one direct deposit, and one online bill payment each month. You must also make a set amount of debit card transactions each month. If you meet these requirements, you earn the competitive rates. If you do not meet them, you are not charged a fee, but you do not earn the best rates.

Read the full Connexus Credit Union review.