giantbank.com accounts are free. The checking and money market accounts do not have a monthly maintenance fee. There is no required amount to keep in either of the accounts. CDs only have a fee if you withdraw the money before the maturity date.

The giantbank.com checking account earns interest. You can have money directly deposited into the checking account. There is not a monthly fee. The required amount to open the checking account is only $100.

The accounts at giantbank.com earn competitive interest rates. The rates are slightly lower than other online-only accounts. However, they are much higher than other brick and mortar bank rates. The interest rates for the accounts are tiered. The more money you have in the account, the higher the interest rates you earn.

giantbank.com has a variety of ATMs in network that customers are not charged a fee for using. If a different financial institution charges a fee, giantbank.com will refund the fee.

To earn the highest interest rates, giantbank.com requires a large account balance. The money market account requires a $100,000 balance to earn the highest rates. MMA balances over $1,000 earn interest, just a slightly lower rate. The checking account requires $10,000 in the account to earn the highest interest rates. The CDs require $2,500 to open and earn interest.

giantbank.com only offers personal deposit accounts. There are no business accounts available. The personal deposit accounts include checking and money market accounts, and CDs. There is only one checking and money market account to choose from. The CDs range in terms from 91-days to 5-years.

The amount required to open a giantbank.com money market account or CDs is high. The money market account requires $1,000 to open. Each of the different CD terms require $2,500 to open. There is no monthly fee for the money market account.

giantbank.com accounts offer person to person payment through PayPal. There is a fee for each transaction. The fee is $0.50 per transaction made. You can upload bank information into Quicken or QuickBooks for a fee.

Read the full giantbank.com review.

BBVA Compass has low opening balances for their accounts. The minimum opening deposit for all checking and saving accounts is $25. The opening required amount for CDs is $500.

Small business and commercial business accounts are available from BBVA Compass. Checking accounts, savings accounts, loans, and credit cards are available. Commercial business opportunities also include ways to increase your working capital.

If you do not qualify for a checking account, BBVA Compass offers the Easy Checking account. This account helps you rebuild your finances. If the account is active with a positive balance after 12 months, you can upgrade to a different checking account. The fee for this account is $13.95 a month. The opening amount required is $25. This account offers a debit card and unlimited check writing. Online or mobile banking and text alerts are available. You have the option to enroll in the Simple Cash Back program.

Simple Cash Back is a program that allows you to earn cash-back rewards. This program is available if you have a debit or credit card with BBVA Compass. Your purchase history determines what offers you receive. You can select the offers that you want. The money is then deposited into your account.

Federal regulations allow for six transactions from a savings account each billing cycle. BBVA Compass savings accounts only allow four. Each extra transaction has a $3 fee.

Most banks have a fee if you spend more than you have in your account. BBVA Compass fees are higher than other banks. For every transaction over $1.01 of insufficient funds, the fee is $38. You can link your checking account to a BBVA Compass savings or money market account. This could help cover the insufficient amount. However, the fee to transfer money from a savings or money market into your checking for insufficient funds is $12 a day.

Only a few of BBVA Compass accounts have good interest rates. The money market account earns a competitive rate, but the rates are promotional. They may change. The other accounts have lower interest rates. The rates are higher than typical banks but lower than online-only bank accounts.

Only four of BBVA Compass CD accounts are available online. The terms are 12 months, 15 months, 18 months, and 36 months. The 12 months CD offers a good interest rate, but it is only a promotional rate. It may change. The other three CD terms are much lower than the 12-month term.

Read the full BBVA Compass review.