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 The money will be automatically withdrawn from your checking account on the first day of each month.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 accounts offered through LendingClub offer competitive interest rates. The high-yield savings account offers rates up to 0.60%. Their checking account earns a lower rate than the savings account, but does offer some interest earning at 0.15%.

LendingClub offers a Rewards checking account. This account does not have monthly maintenance fees. This checking account earns cash back, and interest, if you meet the requirements. It requires $100 to open the account. After you open the account, there are no monthly fees or required amounts to avoid the fees, but a set balance amount to earn the rewards.

With the Rewards checking account, customers can earn up to one percent back on their debit card purchases. The debit card is linked to your Rewards checking account. Purchases made online or in-store are eligible for the cash back option.

Most of the accounts at LendingClub do not have monthly maintenance fees. Once you open the high-yield savings account with $100, there is not a monthly fee or minimum requirement to keep in the account to avoid a monthly fee. The opening required amounts for most accounts are low. The high-yield checking account only requires $100 to open.

The interest rates for the high-yield account is high, but in order to earn that amount, you must keep a set amount in the account. This account requires a balance of $2,500 to be in the account to earn the highest interest amount. Balances that fall below $2,500 will receive a much lower interest rate of 0.05%.

In order to earn the cash back, you must have your account open for 30 days and have $2,500 in the account from direct deposits or another source of income. The credit comes from purchases made online or in the store using your debit card signature option. To earn the cash back option, you MUST choose the credit option instead of the debit option when making your purchase. Transactions made with your PIN are not eligible for the cash back. The money you earn will be credited into your account at the end of each earning period.

The Essential Checking account has a monthly fee of $9. You can waive this fee by keeping a set amount in the account, but this amount is high as well. To waive the monthly fee, you must have at least $5,000 in the checking account at all times. If the account balance falls below $5,000, you will be charged the fee. The Tailored checking account has a monthly fee of $10 if you do not have at least $5,000 in the account.

Not all accounts offer competitive interest rates. The CDs, money market account, and basic savings account do not offer competitive interest rates. Those rates are much lower than the high-yield savings account rates.

Read the full LendingClub review.