Pacific National Bank offers specific online-only accounts. These accounts include a money market account and 12- month and 17-month CDs. The interest rates are competitive. These account rates are much higher than regular bank rates. The minimum amount required to open the money market account is $5,000. This is also the required balance to avoid a monthly fee. The CDs require $1,000 to open.

Along with online accounts, Pacific National Bank offers a variety of in-branch accounts. That includes personal deposit accounts and business accounts. Savings, checking, and money market accounts are available for personal and business accounts. CDs and lending options are also available.

Pacific National Bank CDs have low opening required amounts. Each of the CDs require $1,000 to open, including the online CDs. The only fee for CDs is withdrawing money before the maturity date.

The Pacific National Bank online accounts offer competitive interest rates. These account rates are competitive with other online-only accounts. These rates are much higher than the in-branch account rates. Online accounts are only offered to new customers to Pacific National Bank.

To earn the most competitive interest rates requires a large average balance. The in-branch and online MMA require $10,000 to earn the competitive interest rate. The checking account requires $2,500 to earn interest.

Accounts with Pacific National Bank have high opening required amounts. The interest earning checking account requires $2,500 to open. International customers require $7,000 to open the account. The money market account requires $5,000 for domestic customers. International customers must have $10,000 to open money market accounts.

Pacific National Bank accounts have tiered interest rates. To earn the most competitive rates requires a large balance in the accounts. The savings account requires a $50,000 balance to earn the most competitive rate. The money market accounts and the SuperNow checking require $1,000,000 for the highest rate. Amounts under these balances still earn interest, just not the most competitive rates.

Pacific National Bank accounts have monthly fees. The fees range from $10 to $25 each month. Waive the monthly fees by keeping a set amount in the accounts. Those amounts range from $500 to $5,000 depending on the account.

Read the full Pacific National Bank review.

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.