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.

Home Savings Bank CDs offer competitive interest rates. The rates are competitive with other online accounts. Their rates are much higher than typical brick and mortar bank rates. The rates are competitive whether you open the account in the branch or online.

Personal deposit accounts are available through Home Savings Bank. These accounts include a checking account, money market account, CDs, and IRAs. Not all accounts can be opened online. Only the CDs and IRAs have the option to open online.

Home Savings Bank offers CDs that are entirely online. These accounts are available for anyone across the United States to open. You must be at least 18 years old. You must be a resident of the United States or a resident alien. You must have an address in the U.S., a social security number, and a driver license or other ID.

Home Savings Bank offers online mortgage options. You apply for your loan online. A loan officer will contact you by phone, email, or online chat to answer your questions. Because the mortgage is online, the rates and fees are typically lower than other banks.

Each of the accounts with Home Savings Bank has a high required opening amount. The CDs, money market account, checking account, and IRA accounts all require $5,000 to open. The opening required amount is the same whether opening in the branch or online.

The monthly maintenance fees for Home Savings Bank accounts are high. The fee for the money market account and checking account is $35 a month. Waive this fee by keeping a set balance in the account. The checking account requires $5,000 in a combination of Home Savings Bank accounts to waive the fee. The money market account must have $2,500 in the account to waive the fee.

Not all Home Savings Bank accounts have the option of opening online. Only the Home Savings Bank CDs and IRAs have the online option. To open the checking or money market account visit the branch location. There is one branch location in Salt Lake City, Utah.

The interest rates for the Home Savings Bank MMA are not competitive. These rates are also tiered. To earn the best rate requires an account balance over $200,000. Even the highest rate is not competitive with other online money market accounts. Only the CDs with Home Savings Bank earn competitive interest rates.

Read the full Home Savings Bank review.