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.

A variety of accounts are available through TAB Bank. They offer personal and business checking, savings, and money market accounts, along with CDs. The CD terms range from six months to five years. TAB offers personal deposit accounts and accounts for all sizes of businesses.

The accounts at TAB Bank do not have monthly maintenance fees. There is no required amount to keep in the account to avoid a monthly fee. The accounts do have set amounts to earn the most competitive interest rates.

Most TAB accounts have low required amounts to open. The money market account, checking, and basic savings account all only require $25 to open. There is a daily balance required of $1 to keep the account open and earn interest. Each of the CD terms require $1,000 to open.

TAB Bank’s high yield savings account and CDs offer competitive interest rates. These rates are competitive with other online accounts. The interest rate for the high yield account is not tiered. You do need to have a balance of $2,500 to earn the most competitive rate. Amounts under $2,500 still earn interest, just a much lower rate. Each of the CD terms offers competitive interest rates. CDs require $1,000 to open and earn interest.

The high yield savings account has a high opening balance. This account requires $2,500 to open. That amount is also required to keep in the account to earn the highest interest rate. Any amount under $2,500 earns interest, just a much lower rate.

Interest rates for TAB accounts, besides the high yield savings account and CDs, are low. They are not competitive with other online accounts. The interest rates for checking, basic savings, and money market accounts compare to brick and mortar bank rates.

Opening an account with TAB Bank is not done entirely online. The application is online. You must print off the application and fill out the information. Once the application is complete, you can email, fax, or mail it to TAB Bank.

TAB Bank customer service is not always available. TAB customer service is open Monday through Friday from 6 a.m. to 7 p.m. Mountain Time. On Saturday they open from 9 a.m. to 3 p.m. TAB customer service is closed Sunday and federal holidays.

Read the full TAB Bank review.