Most USAA accounts only require $25 to open the accounts. To earn interest on the Classic checking account, you must have $1,000 in the account.

There are no monthly fees for any USAA accounts. They do not have a set amount required to keep in any of their accounts. Some accounts only earn interest if the balance is a set amount. However, you will not be charged a fee for not having a certain amount in the account.

Youth and college accounts offered through USAA do not have a monthly fee. There is not a required balance to keep in the account. The youth savings account earns interest. The youth checking account offers parental controls. Parents can set debit or ATM limits and receive text alerts. The college account only requires $50 to open. Friends and family can contribute to these accounts.

There are over 60,000 free USAA ATMs. The first ten withdrawals from a USAA owned ATM are free. USAA refunds up to $15 in ATM fees charged from using other banks ATMs. The ATM reimbursement does not apply to the USAA Cashback Rewards checking account.

USAA accounts do not offer competitive interest rates. The rates are slightly higher than those of your typical brick and mortar banks. Some CDs receive more competitive interest rates. All other accounts are much lower than other online-only accounts.

USAA does not offer business accounts. The only accounts offered are personal checking and savings accounts and CDs. Insurance, investments, and retirement options are available. Loans, credit cards, and real estate options are offered.

USAA only offers two different checking accounts and two savings accounts. The basic savings account only requires $25 to open the account. The other savings account requires $10,000 to open. Only one checking account earns interest. The other checking account earns cashback rewards. They do not both have the same benefits.

To open an account with USAA, you must become a member. Those eligible to become a member are active and former military and their families. Cadets and midshipmen at academies are eligible to become a member. Once accepted, USAA will help you find the right accounts for your needs.

Read the full USAA review.

Bangor Savings Bank offers a variety of personal deposit accounts. They offer three checking accounts and savings and money market accounts. Those accounts include a savings account for kids and one for the holidays. Bangor offers CDs that range from three-month terms to five-year terms.

Bangor Savings Bank offers a wide variety of business accounts. Those accounts include business checking and savings accounts. They offer business credit cards and insurance options. Bangor offers cash management and payroll services for businesses.

The Bangor Savings Bank CDs offer competitive rates. The interest rates for these CDs are competitive with other online CDs. The terms range from three months to five years. The amount required to open each CD is $500.

Most Bangor Savings Bank accounts have low required amounts to open. Each of the checking accounts requires $25 to open. Two savings accounts also only need $25 to open. The CDs each need $500 to open.

The Benefit Money Market and Market Rate account have high opening required amounts. These accounts each need $5,000 to open and to earn interest. Balances below $5,000 do not earn interest. There is a $10 monthly fee if the Market Rate account drops below $5,000. The Benefit Money Market does not have a monthly fee.

Some Bangor Savings Bank accounts have tiered interest rates. To earn the most competitive rate for the MMA requires an account balance of $100,000. The savings account requires $25,000. Amounts under that balance earn interest, just not the most competitive rate.

Bangor Savings Bank accounts are not available to anyone across the United States. Only residents of Maine, Massachusetts, New Hampshire, and Vermont can open an account. You can open some accounts online if you are a resident of one of these states. A few accounts require visiting a branch location.

Some accounts require having a Bangor checking account first. To open the Benefit Savings and MMA requires having a Bangor checking account. Once you have a checking account, you qualify to open these other accounts.

Read the full Bangor Savings Bank review.