Goldwater Bank has high amounts to open their accounts. Once you open an account, the amount required to keep in the account to earn interest is low. Goldwater Bank only requires $0.01 to be in the account to earn interest.

Business accounts are available through Goldwater Bank. There is a checking account for small and large businesses. There is a money market and savings account. CDs are available. Goldwater Bank offers cash management services for business accounts. This offers online banking, remote deposit, and card services. Business credit cards are available.

Goldwater Bank not only offers personal deposit accounts but lending options. They offer loans for building, remodeling, or home loans. Personal loans for vacations, cars, boats, or college tuition are available. They offer loans for business needs as well.

The interest rates for Goldwater Bank accounts are competitive. Their rates are much higher than the rates offered at brick and mortar banks. To earn the most competitive rates does require a large account balance. However, the lower balance rates are still much higher than other bank rates. They are competitive with online accounts. The business accounts also earn competitive interest rates.

The different CD accounts all require a high opening balance of $5,000. The CD terms range from 90-day terms to a 5-year term. The only fees associated with CDs is from withdrawing the money before the CD meets the maturity date.

Goldwater Bank accounts cannot be entirely opened online. To open a checking, savings, money market account, or a Visa check card you can fill out an application online. Then you must go to a branch location to finish the application and sign paperwork. Only CDs are available for out of state customers. Not all account information is on the website. A customer service representative can answer your questions.

The different accounts have high required amounts to open the accounts. The checking account requires $500 to open. Money market and saving accounts require $1,000 to $25,000 to open the accounts. Once the account is open, you are only required to keep $0.01 in the accounts to earn interest.

Interest rates for Goldwater Bank accounts are tiered. To earn the most competitive interest rates requires large balances in the accounts. The money market account requires $100,000 to earn the most competitive rates. The checking account requires $5,000.

Read the full Goldwater Bank review.

Fidelity Bank offers a good selection of personal accounts. Those include:

• Free checking
• Relationship checking
• Legacy checking
• Statement savings
• Looney Tunes Children's savings
• High Interest savings
• Health Savings Account
• Personal money market account
• Superior money market
• CDs from 12 to 60-months

The opening required amounts for Fidelity Bank accounts are low. The checking accounts and children's savings account require $25 to open. The statement savings account requires $100 to open. The CD terms require $500 to open.

ATM transactions made at Fidelity Bank ATMs are free of fees. Transactions made at other ATMs may have a fee. The Relationship and Legacy checking accounts waive the fees of foreign ATM transactions. You must meet the requirements to open these accounts.

The Health Savings Account offers good rates. It offers the highest interest rate out of the Fidelity Bank savings accounts. To earn the highest interest rate for the HSA, you must have $15,000 in the account.

The Superior MMA has tiered interest rates. To earn the highest rate, you must have at least $250,000 in the account. Balances below that amount earn interest, just not the highest rate. Even the highest interest rate is not competitive with other online accounts.

To open an account with Fidelity Bank, you must visit a branch location. They do not offer online account applications. They have branch locations in Kansas.

The money market accounts have high opening required amounts. The Personal MMA requires $2,500 to open. The High Interest savings account also requires $2,500 to open. The Superior MMA requires $10,000 to open.

The interest rates for Fidelity Bank accounts are low. They are not competitive with other online-only accounts. Some accounts offer rates slightly higher than typical banks. Most account rates are competitive with typical bank rates.

Read the full Fidelity Bank review.