Accounts for kids and teens are offered from Union Bank. The Kidz savings account is for children ages 8-12. From ages 13-17, teen savings and checking accounts are available. These youth accounts must be jointly owned with an adult. Youth accounts do not have a monthly fee. The opening deposit amount for the savings accounts is $1. The checking account requires $100. Each deposit of at least $5 into the Kidz savings account earns a stamp. After ten stamps the child earns a gift card.

Union Bank savings, checking, and CDs have a low opening deposit. All checking accounts, except the Priority account, only need $100 to open. The basic savings account requires $50. The youth savings accounts only require $1. Union Bank CDs require $350 to open the CD. Only the seven days to one-month CDs require a higher balance.

Union Bank offers a variety of small and commercial business accounts. Checking, savings, and money market accounts are available for small and commercial business. Loans, CDs, and credit cards are available as well. Union Bank offers payable and receivable services for large businesses.

Both Union Bank money market accounts offered tiered interest rates. This means the more money you have invested in the account, the higher the interest you will earn. The regular MMA requires $2,500 to open; the High Rate MMA requires $10,000.

Union Bank accounts do not offer competitive interest rates. Their rates are similar to your brick and mortar bank rates. They are not competitive with other online-only bank accounts.

Most all Union Bank accounts have a monthly maintenance fee. The fees range from $4 to $30 a month depending on the account. Signing up for online statements will lower the monthly fee by $1 for some accounts, but not waive it. Ways to waive the fees include having a required amount in the account or direct deposits. The youth accounts do not have a monthly fee.

There are two money market accounts offered by Union Bank. The basic MMA requires $2,500 to open the account. The High Rate money market account required $10,000 to open. Both accounts have a monthly maintenance fee. Union Bank requires you to link one of their checking accounts to the money market accounts. The interest rates for Union Bank MMA are not competitive.

The Priority bank account is the only checking account that earns interest. The minimum opening deposit for the interest earning account is $1,000. There is a $30 monthly fee. The fee is only waived if you have over $50,000 in combined Union Bank accounts or have a mortgage through Union Bank.

Read the full Union Bank review.

E*TRADE accounts do not have set amounts required to open accounts. You can open the Premium savings, Max-Rate checking, and E*TRADE checking with any amount. To avoid a monthly fee may require a set balance, but not to open the account.

The interest rates for E*TRADE Bank accounts are not tiered. Any balance earns the most competitive interest rate. The highest rates are not competitive with other online-only accounts. But any balance earns the best rate.

E*TRADE Bank accounts offer unlimited ATM fee reimbursement. There are no ATM fees for money withdrawn from ATMs across the nation. To get a refund, you must meet certain qualifications. If you qualify for the refund, the money should be in your account by the end of the day of the ATM transaction. Not all accounts offer ATM fee refunds.

You can open E*TRADE accounts online. They are available for anyone to open across the United States. You can transfer money from external bank accounts into your E*TRADE account.

The E*TRADE Max-Rate checking account has a monthly fee. The fee is $15 a month. Waive the fee by keeping a set account balance in one account or an average in multiple accounts. Having a direct deposit over $200 waives the fee. Making a set amount of trades can also help waive the fees.

The types of personal accounts offered through E*TRADE Bank are limited to new customers. Those accounts include a savings account and two checking accounts. More accounts may be available once you become a customer.

The E*TRADE Bank accounts earn interest, but the rates are low. The interest rates are not competitive with other online accounts. Any account balance earns the most competitive rate. Even the highest rates are not competitive with other online accounts.

E*TRADE offers limited accounts for small businesses. They do not offer traditional accounts for small or commercial businesses. The accounts offered to small businesses include retirement accounts.

Read the full E*TRADE review.