Every My eBanc account offers competitive interest rates. The rates are much higher than typical brick and mortar bank rates. The accounts are personal deposit checking and money market account and CDs. My eBanc offers regular CDs, jumbo, and one fixed rate CD.

The account interest rates at My eBanc are not tiered. There is not a required balance to earn the most competitive interest rate. Any amount in the account earns the competitive interest rate. However, the money market and checking account do have a monthly fee if the balance falls under $5,000.

My eBanc accounts are entirely online. Everything for your account is done through the website or mobile app. Make deposits through electronic transfers or by mailing in a check. There is only one branch location in Florida.

The My eBanc money market accounts and checking accounts allow you to write checks and have a debit card. The money market account only allows for six withdrawals each month. The checking account has unlimited check writing options with no charge. Your first 50 checks are free.

The minimum deposit required to open My eBanc accounts is high. The checking, money market, and regular CDs all require $5,000 to open. The jumbo CDs require $100,000. The Flex Time Deposit CD requires $10,000 to open.

The money market and checking account have a monthly fee. The fee for both accounts is $15 monthly. Waive both of those fees if you keep an average daily balance of more than $5,000. You still earn interest on amounts under $5,000, but your earnings will be cut into by the fee.

There are limited accounts offered through My eBanc. Only personal deposit accounts are available. My eBanc offers one checking account and one money market account. There are five different term lengths of CDs. Those same terms are available in jumbo CDs. One fixed rate CD is offered.

My eBanc does not offer any business accounts. Only personal deposit accounts are available. Personal deposit checking and money market accounts and some CDs are offered.

Read the full My eBanc review.

The Citi Accelerate Savings accounts offer competitive interest rates. These accounts are opened as packages. There are five packages to choose. The Citi Accelerate Savings account offers competitive interest rates. Those rates are competitive with other online accounts. This account is only offered to people who apply online. You can apply through Citibank online, CitiMobile, or Citiphone Banking.

Citi offers a good variety of bank accounts. They offer checking and savings accounts. They offer a wide variety of CD terms, with 16 different term options. Citi offers a variety of account packages that fit your banking needs. The packages vary depending on your account balance amounts.

There is not a required amount to open Citi Accelerate Savings accounts. The checking accounts do not have an opening required amount. But, to waive the monthly fees, you must have a set account balance. The minimum opening balance for CDs varies between markets. To earn the most competitive rates for some CDs requires a balance of over $25,000.

The Citigold account package offers ATM reimbursement. To qualify to be a Citigold member, you must have combined Citi account balances over $200,000. Once you qualify, Citi will reimburse you for any ATM fees charged by other banks or ATM providers. This is only for consumer accounts.

Most other account interest rates with Citi are not competitive. The Citi Accelerate Savings account offers rates competitive with other online accounts. There are also a few CD terms that offer competitive rates. Most other Citi account rates compare to typical bank rates.

To earn the most competitive rates with the Citi Accelerate Savings account, you must meet set requirements. These requirements help to waive the monthly fees. All the Citi Accelerate Savings accounts must be opened in a package. That means opening other Citi accounts that link to the Accelerate Savings account.

Each account has a monthly fee. The savings and checking account fees range from $10 to $30. There are ways to waive the monthly fees for each account. Having a set amount of direct deposit into the account can waive the fees. Having a set account balance can also waive the monthly fee. The balances required to waive the fees are high. It can range from $1,500 to $200,000 depending on the account.

Most Citi CD terms do not offer competitive interest rates. Only the six, 12, and 18-month CDs offer rates competitive with other online CDs. To earn the most competitive rates for the 12 and 18-month CDs requires a balance of $25,000. All the other CD rates are not competitive with other online CD accounts.

Read the full Citibank review.