-
Financial Rates:
1.0
-
Customer Service:
4.5
-
Website Experience:
5.0
-
Bank Fees:
5.0
Pros:
- High interest rates on accounts
- Business accounts offered
- Most accounts do not have fees
- Low opening required amounts
Cons:
- Cannot open all accounts online
- Limited CD term lengths opened online
- Only one savings account offered
- Highest interest rate requires a large sum
-
Financial Rates:
4.0
-
Customer Service:
3.0
-
Website Experience:
5.0
-
Bank Fees:
5.0
Pros:
- No monthly fees for accounts
- Checking account earns interest
- Accounts earn competitive interest rates
- Reimbursement of ATM fees
Cons:
- Highest rate requires a large sum
- Limited variety of accounts offered
- MMA and CDs have high opening amount
- Person to person payment has a fee
The Radius Hybrid checking account offers competitive interest rates. You earn the competitive interest rate on any balance over $2,500. The savings account offers competitive interest rates as well. You earn higher interest rates on balances over $25,000. The interest rate under $25,000 is still competitive, just a slightly lower rate.
Radius Bank offers a variety of business accounts. Four different checking accounts are available. The accounts vary in benefits. This allows you to find the best fit for your business. A money market account and CDs are available for businesses also.
Most Radius accounts do not have monthly fees. The only account that has a monthly fee is the Essential checking account. That fee is $9 a month. After you make the opening required deposit, there is no required amount to keep in Radius Bank accounts.
The Radius savings account and two checking accounts only require $100 to open. The basic checking account only requires $10 to open. There are three CDs you can open online, the one-year, 18-month, and the three-year. Each of those CDs only require $500 to open. Open different CD term lengths at branch locations. Those CDs require either $500 or $1,000 depending on the term.
At this time, only a few Radius accounts are available to open online. Three Radius checking accounts can be opened online. The Radius High-Yield savings account and CDs can also be opened online. To open a business account, visit their financial center in Boston, Massachusetts.
Only three Radius Bank CD terms are available to open online. The CDs include a 12-month, 18-month, and three-year CD. Each CD only requires $500 to open. The interest rate on the CDs are competitive with other online-only accounts.
Only one savings account is available through Radius Bank. They do not offer a money market account. There is no monthly fee for the savings account. The opening amount required is $100. You can request an ATM card for this savings account. Federal regulations only allow six transactions per statement cycle.
To earn the highest interest rates for the Radius savings account, you must have $25,000 in the account. Any amount over $10 earns interest. Those rates are low; similar to typical bank rates. Having $2,500 in the account will earn much higher rates. Rates for balances over $2,500 are good but still less than the interest you earn if you have over $25,000. To earn interest on your Radius checking account balance, you must have $2,500 in the account. Any amount less does not earn interest.
giantbank.com accounts are free. The checking and money market accounts do not have a monthly maintenance fee. There is no required amount to keep in either of the accounts. CDs only have a fee if you withdraw the money before the maturity date.
The giantbank.com checking account earns interest. You can have money directly deposited into the checking account. There is not a monthly fee. The required amount to open the checking account is only $100.
The accounts at giantbank.com earn competitive interest rates. The rates are slightly lower than other online-only accounts. However, they are much higher than other brick and mortar bank rates. The interest rates for the accounts are tiered. The more money you have in the account, the higher the interest rates you earn.
giantbank.com has a variety of ATMs in network that customers are not charged a fee for using. If a different financial institution charges a fee, giantbank.com will refund the fee.
To earn the highest interest rates, giantbank.com requires a large account balance. The money market account requires a $100,000 balance to earn the highest rates. MMA balances over $1,000 earn interest, just a slightly lower rate. The checking account requires $10,000 in the account to earn the highest interest rates. The CDs require $2,500 to open and earn interest.
giantbank.com only offers personal deposit accounts. There are no business accounts available. The personal deposit accounts include checking and money market accounts, and CDs. There is only one checking and money market account to choose from. The CDs range in terms from 91-days to 5-years.
The amount required to open a giantbank.com money market account or CDs is high. The money market account requires $1,000 to open. Each of the different CD terms require $2,500 to open. There is no monthly fee for the money market account.
giantbank.com accounts offer person to person payment through PayPal. There is a fee for each transaction. The fee is $0.50 per transaction made. You can upload bank information into Quicken or QuickBooks for a fee.
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| Savings (Rate as of 11/21/2024) | |
| APY | 4.00% |
|---|---|
| Rate | 3.92% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC | |
| Savings (Rate as of 11/21/2024) | |
| APY | 4.75% |
|---|---|
| Rate | 4.64% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC No monthly maintenance fee, $0 to open, easily grow your money | |
The rate information is obtained by Bankrate from the listed institutions. Bankrate cannot guarantee the accuracy or availability of any rates shown. Institutions may have different rates on their own websites than those posted on Bankrate.com. The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where, and in what order products appear. This table does not include all companies or all available products.
All rates are subject to change without notice and may vary depending on location. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own website where you can find additional information. Those with a paid link are our Advertisers. Those without a paid link are listings we obtain to improve the consumer shopping experience and are not Advertisers. To receive the Bankrate.com rate from an Advertiser, please identify yourself as a Bankrate customer. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration.
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1 APY stands for Annual Percent Yield. It's different from Rate because it takes into account compounding interest for the year.
2 MMA stands for Money Market Account. It's a savings and checking hybrid, allowing you to earn interest and use checks 6 times a month.