MutualOne accounts have a low required amount to open the accounts. There are 15 different CDs to choose from. Three CDs require $5,000 to open, but the rest only need $500 to open. Checking accounts only need $100 to open. The MMA requires $500. All MutualOne saving accounts only require $10 to open.

The MutualOne Advantage checking account earns interest. The account only requires $100 to open the account. Any amount over $10 will earn interest. The rates are tiered so to earn the highest rates, you must keep $50,000 in the account. Amounts under that still earn competitive interest rates, just not the highest amount.

MutualOne offers competitive, tiered interest rates on their accounts. The more money you have in the accounts, the higher the interest rates you earn on your money. The MutualOne online savings account earns competitive interest rates and is entirely online. Any amount earns the highest rate.

Business accounts are available through MutualOne Bank. A checking account, savings account, money market account, and CDs are available. There are two different checking accounts. One tailored to commercial businesses. To find out more about business accounts, or apply to open one, you must contact a personal banker.

To earn the highest interest rates available, you must keep a certain amount in the accounts. The advantage checking account required $50,000 be in the account to earn the highest rates. To earn the highest MMA rates, $200,000 must be in the account. The online saving account only requires $100 to earn the highest rates. Lower amounts in these accounts earn interest, just not the highest rate.

Some MutualOne accounts have a monthly maintenance fee. There are ways to waive the fees. Keeping a set amount in the account, or between deposit and loan accounts, will waive the fees. The monthly fee amounts are not listed on the website.

Not all MutualOne Bank accounts are available to open online. The online savings account and CDs can be opened online. Checking, money market, and some savings accounts require a personal banker. Business accounts need a personal banker to open.

To earn the highest interest rates on MMAs, you must have $10,00 in one account and $200,000 in the other MMA. The interest rates for balances under those amounts are low. They are competitive with your typical brick and mortar banks. The more money you invest, the higher the rates. However, the rates for lower amounts are not competitive with other online accounts.

Read the full MutualOne Bank review.

You can withdraw money from any ATMs with the specific “Plus” logo. If you withdraw money from another ATM, you are reimbursed for the fees charged. CalFirst will reimburse up to $6.00 each statement cycle in ATM fees.

Most CalFirst accounts offer competitive interest rates. The interest rates are not tiered, so you earn the highest rates offered on any balance in the account. Interest is paid monthly on the actual daily balance.

The interest rates for CalFirst accounts are not tiered. Any amount you have in their accounts earns the competitive interest rates. You do not have to have a certain amount in the account to earn the most competitive rates.

The first order of checks is free when you open an interest checking account. You get an ATM card when you open an interest checking account. Free online bill pay comes with each CalFirst checking account opened.

CalFirst does not have a wide variety of accounts. No business accounts are available, only personal deposit accounts. One money market account and savings account are available. There is an interest checking and one regular checking account. CalFirst only offers five different CD terms.

CalFirst accounts have high opening amounts. The money market account and CDs require $5,000 to open. The interest checking account requires $2,500 to open. The savings account and regular checking account both require $1,000 to open.

The accounts at CalFirst all have a monthly fee. The fees range from $10 to $20 a month, depending on the account you open. Waive the fee by keeping a set amount in CalFirst accounts. You can also have a combined balance between a variety of CalFirst accounts.

Not all the CD terms offer competitive rates. The most competitive rates are the three-month, six-month, and the one-year terms. The two-year and three-year terms have interest rates much lower than the other terms. Regular CDs require $5,000 to open. The IRA CDs require $2,000 to open. The only fees are if you withdraw the money before the maturity date.

Read the full California First National Bank review.