If you have a question, the Chief Customer Advocate is there to help. This person works with the CEO of Nationwide to ensure the customer's needs are being met. If you have a policy problem or a question about a statement, call the Chief Customer Advocate.

Nationwide customers can make eight transactions at any ATMs each billing cycle. Nationwide will not charge you a fee, but the ATM owner might. If you are a premier member, you get unlimited ATM transactions without fees. To be a premier member, you must have another bank account, loan, credit card, or an insurance policy with Nationwide. There are over 77,000 surcharge-free ATMs.

As a premier member, you earn cash back on your debit card purchases. If you use your debit card for at least $1,200 in purchases each month, you will earn 0.25% on those purchases. The reward cap is $20 per month. This reward will not start until your account is active for 180 days.

Opening a savings or checking account with Nationwide only requires $25. You start earning competitive interest rates with the $25 you deposit to open the account.

Nationwide uses Popmoney to transfer money between people. Money transferred with Popmoney is not instant. The delivery takes three business days. If you want the money sent instantly, it will cost $0.25 per transaction. Each transfer must be at least $5.

To open a CD, you must have at least $500. Once you open an account, you can choose from three month to five-year CDs.

Nationwide does not offer credit cards or prepaid cards anymore. If you already have a prepaid card, you can use it until the money is gone, but you cannot reload money onto it. If you currently have a credit card with Nationwide, you can use it as normal, but Nationwide is no longer taking credit card applications.

There is a fee if you do not use your checking account for 365 consecutive days. On the 366th day, a $5 fee will be charged. Each month the account is not active will have a $5 fee. To avoid the fee, sign up for direct deposit.

Read the full Nationwide review.

Accounts offered through Alliant do not have monthly maintenance fees. The only fee is if you receive paper statements. To keep the account open requires a $5 balance. To earn interest does require $100 in all the savings accounts.

Alliant participates with over 80,000 ATMs free of charge. If you withdraw money from an ATM not in their network, Alliant will reimburse those fees. They reimburse up to $20 per month in ATM fees. Deposits, withdrawals, transfers, and checking account balances qualify for a rebate. The high rate checking, and teen checking account qualify for ATM reimbursement.

The amounts required to open Alliant accounts is low. The savings accounts require $5 to open. The checking accounts do not list a set amount to open. All the regular CD terms require $1,000 to open. Alliant does offer jumbo CDs, but they require $25,000 to open.

Alliant offers a good variety of personal accounts. They offer a free, high-rate, and teen checking account. They offer two savings accounts and a savings account for kids. Personal credit cards, lending options, and insurance options are also available.

To open Alliant accounts, you must become a member of their credit union. You must meet qualifications to become a member. Those requirements include working with specific companies or be related to someone who is a member of Alliant. If you do not meet those requirements, you may be able to qualify through Support Foster Care to Success. Find out if you are eligible on the Alliant website.

Alliant does not offer specific business accounts. Only personal deposit accounts are available. Those accounts include savings accounts, checking accounts, and CDs. Personal credit cards, lending options, and insurance are also offered.

The interest rates on Alliant accounts are not tiered. To earn the most competitive interest rate, you must meet specific qualifications. Those include receiving eStatements and having at least one monthly electronic deposit. Direct deposits help you qualify.

The Alliant jumbo CDs interest rates are only slightly higher than the regular CD rates. The jumbo CDs require $25,000 to open, but do not offer much higher rates than the regular CD rates. The regular CDs require $1,000 to open. Alliant offers six regular and six jumbo CDs.

Read the full Alliant Credit Union review.