-
Financial Rates:
4.0
-
Customer Service:
5.0
-
Website Experience:
5.0
-
Bank Fees:
5.0
Pros:
- Variety of accounts offered
- Most accounts have low opening amounts
- Competitive interest rates on accounts
- No monthly maintenance fees
Cons:
- Not all accounts are available online
- MMA has tiered interest rates
- Jumbo CDs rates same as regular CDs
- Fee for bank-to-bank transfers
-
Financial Rates:
4.5
-
Customer Service:
4.0
-
Website Experience:
5.0
-
Bank Fees:
5.0
Pros:
- No monthly fees or required balances
- Personal deposit accounts offered
- Can open all accounts online
- Competitive interest rates on accounts
Cons:
- Only personal deposit accounts
- Not wide variety of accounts
- Outgoing wires have a high fee
- MMA has high opening balance and fee
A variety of accounts are available through KS StateBank. They offer a variety of personal deposit accounts. Those accounts include checking accounts, savings and money market accounts, and CDs. KS StateBank offers regular CDs and jumbo CDs. The CD terms range from six months to seven years. They also offer business accounts.
Most KS StateBank accounts have low amounts required to open the accounts. The checking and savings account require $100 to open. The regular CDs require $500 to open. The Jump Up CD requires $1,000 to open, and the MMA requires $2,500. The jumbo CDs do require $100,000 to open.
The Checking Plus account and CDs offer competitive interest rates. The savings and money market accounts offer slightly lower rates. Those rates are still good rates for online accounts. These rates are competitive with other online-only accounts. The rates are much higher than typical brick and mortar bank rates.
KS StateBank accounts do not have monthly maintenance fees. The accounts do not have required account balances to avoid monthly fees. There is a fee for paper statements or if you make more withdrawals each month than allowed.
Not all KS StateBank accounts are available online. The online checking account is only for residents of Kansas, Missouri, and Arizona. The other online accounts include a savings account, money market account, and CDs. Those accounts are available for any citizens around the United States. Open other accounts by visiting a local branch location.
The KS StateBank money market account has tiered interest rates. To earn the most competitive rate requires a balance of $100,000. Amounts under $100,000 earn interest, just not the most competitive rate. This account requires $2,500 to open. There is no required amount to keep in the account; you earn lower rates depending on your balance.
The interest rates for KS StateBank jumbo CDs are the same as their regular CDs. They do not offer higher interest rates. The jumbo CDs require $100,000 to open. Jumbo CDs are only for consumer accounts. They must be opened online.
KS StateBank has a fee for electronic transfers made between banks. They do not charge a fee for money transferred from another bank into your KS StateBank account. However, there is a $3.99 fee for each transfer made from KS StateBank to another financial institution.
Most Discover online bank accounts do not have monthly fees. They also do not have required balances to keep in the accounts. The online checking account, savings accounts, and CDs do not have a monthly fee. They are completely free. Only the money market account has a fee if your balance falls below $2,500.
Personal deposit accounts are available through Discover. They offer online savings, money market, and checking accounts. Their CDs range in terms from three months to ten years. Discover offers IRA CD terms as well as regular CDs.
These Discover accounts are entirely online accounts. Open the savings, money market accounts, and CDs online or by calling customer service. The checking account can only be opened online. Everything for these accounts is done online.
Discover accounts offer competitive interest rates. The rates for every account are much higher than your typical brick and mortar bank rates. The rates are competitive with other online accounts. The only account that has tiered interest rates is the money market account. The difference between the two-tiered rates is very small. Balances over $100,000 in the money market account earn a slightly higher rate. All balances earn competitive rates.
Discover Bank offers only personal deposit accounts. Those accounts include a savings, checking, and money market account, as well as CDs. Discover Bank does not offer any business accounts.
There is not a wide variety of personal deposit accounts offered through Discover. Discover offers one savings, one money market, and one checking account. No business accounts are available. CD terms range from three months to ten years.
One way to access your money in your Discover accounts is through a wire transfer. There is a fee to complete each wire. That fee is $30 for each outgoing wire sent from your Discover account. There is not a fee for domestic wire transfers received into Discover accounts. There may be a $20 fee for wire transfers received in a foreign currency.
The Discover money market account has a high opening required amount. That account requires $2,500 to open. There is a monthly fee of $10. Waive that fee by keeping $2,500 in the money market account.
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| Savings (Rate as of 11/21/2024) | |
| APY | 4.00% |
|---|---|
| Rate | 3.92% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC | |
| Savings (Rate as of 11/21/2024) | |
| APY | 4.75% |
|---|---|
| Rate | 4.64% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC No monthly maintenance fee, $0 to open, easily grow your money | |
The rate information is obtained by Bankrate from the listed institutions. Bankrate cannot guarantee the accuracy or availability of any rates shown. Institutions may have different rates on their own websites than those posted on Bankrate.com. The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where, and in what order products appear. This table does not include all companies or all available products.
All rates are subject to change without notice and may vary depending on location. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own website where you can find additional information. Those with a paid link are our Advertisers. Those without a paid link are listings we obtain to improve the consumer shopping experience and are not Advertisers. To receive the Bankrate.com rate from an Advertiser, please identify yourself as a Bankrate customer. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration.
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1 APY stands for Annual Percent Yield. It's different from Rate because it takes into account compounding interest for the year.
2 MMA stands for Money Market Account. It's a savings and checking hybrid, allowing you to earn interest and use checks 6 times a month.