First IB only requires $25 to open the free checking and savings account. The Interest checking, Money Market Savings, and Tomorrow's Tycoons require $100 to open. CDs required $1,000 to open. The HSA does not have a required amount to open.

First IB accounts earn competitive interest rates. The account rates are competitive with other online-only accounts. To earn the best rate for the checking account only requires $500 in the account. The savings accounts do not have a set limit to earn the competitive interest rates.

A variety of accounts are available through First IB. The accounts include:

• Free checking
• Interest checking
• Money Market Savings
• Free savings
• CD terms from three to 60-months
• Health Savings Account
• Tomorrow's Tycoons savings account for children
• Coverdell Education Savings account
• IRA accounts
• Credit cards, personal, student, and auto loans
• Home equity loans and mortgages
• Business checking, savings, and CDs
• Business lending options

First IB is a member of the ATM Plus network, giving you access to millions of ATMs across the U.S. Certain accounts with First IB reimburse up to $10 each month in ATM fees. The Interest checking, money market, and regular savings offer the reimbursement option.

Most First IB accounts have a monthly fee. The fees range from $2 to $10 each month. Waive the fees by keeping an average daily balance in the accounts. The required balances vary between accounts.

The First IB Money Market Savings account requires a daily balance of $4,000 to avoid the monthly fee. The Interest checking account requires $500 to avoid the fee. Free savings and checking accounts do not have a required balance to avoid the monthly fee.

The early withdrawal penalty for First IB CDs are high. CD terms for three-months requires 90 days of interest. Terms from six to 18-months require 180 days of interest. The fee for CD terms over 24-months is 360 days of interest.

The government limits the withdrawals from savings accounts to six per month. The excessive withdrawal fee for First IB accounts is $30 per extra transaction, which is higher than other banks. The withdrawals restrictions apply to the money market and Free savings accounts.

Read the full First Internet Bank of Indiana review.

Langley Federal Credit Union offers a wide variety of accounts. They have an MMA, savings accounts, youth accounts, and a holiday savings account. They offer four checking accounts and a variety of CD terms. The CD terms range from three months to five years. Langley also offers loans, credit cards, and business accounts.

The accounts offered through Langley have competitive interest rates. The rates are competitive with other online account rates. The CDs, money market account, and platinum checking account earn competitive rates. The Langley Saves account earns competitive rates for the first $1,000.

Most Langley accounts have low opening required amounts. The savings accounts each only require $5 to open. Only the Platinum checking account has a set amount required to open the account. That account requires $10,000 to open. The regular CDs require $1,000 to open. The promotional CDs require more. The MMA does not have an amount required to open the account.

Only the Langley Essential checking account has a monthly fee. This checking account is for those with bad or no credit. This account offers a debit card, online and mobile banking, and bill pay. The monthly fee is $5. The other Langley accounts do not have fees.

Some Langley accounts have tiered interest rates. The Platinum MMA requires a balance of $250,000 to earn the most competitive rate. Traditional money market accounts require $100,000 for the best rate. The Platinum checking account requires $10,000.

Langley offers promotional CDs with more competitive interest rates. Two of these terms have high opening required amounts. The 11-month CD requires $100,000 to earn interest and the 29-month CD requires $50,000. The other promotional CDs only require $1,000 to open, but they are for new deposits only.

To open accounts with Langley FCU, you must first become a member of the credit union. You are eligible for membership if you work for a specific company. Member of certain organizations or that attend certain schools are eligible. Family members of other members are eligible. You can also join an organization to become a member of Langley FCU.

Langley has a daily withdrawal limit. Members can withdraw up to $600 per day, per account, if your account has sufficient funds. There is also a $600 limit with point-of-sale transactions.

Read the full Langley Federal Credit Union review.