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Savings Accounts
Money Market Accounts
Checking Accounts
Government-insured. Nationwide deposits by mail, phone, online or at a branch if nearby.
Nationwide Checking Accounts (ChA)
| Term |
APY |
Notes* |
Minimum |
Bank |
| ChA |
5.00 |
n,m1,r10,r12,r13,r15 |
$5 |
Consumers CU |
| ChA |
5.00 |
e,m0,n,p,r14 |
$100 |
Elements Financial |
| ChA |
4.80 |
m1,p,r6 |
$0 |
All America Bk |
| ChA |
4.63 |
m3,p,r11 |
$500 |
Presidential Bk |
| ChA |
4.38 |
m10,p |
$25,000 |
Presidential Bk |
| ChA |
3.30 |
m6,p,r8 |
$100 |
Axos Bk |
| ChA |
2.02 |
p,m3,r1 |
$100 |
Heritage Bk |
| ChA |
2.00 |
m0,n,p,r14 |
$100 |
Elements Financial |
| ChA |
1.75 |
m3,n,p,r16 |
$0 |
Connexus CU |
| ChA |
1.01 |
b,m6 |
$100 |
Axos Bk |
| ChA |
1.00 |
g1,m1,p |
$100 |
City Nat Bk |
| ChA |
0.70 |
p |
$100,000 |
Ultima Bk Minnesota |
| ChA |
0.50 |
m1,p |
$100 |
American Bk |
| ChA |
0.30 |
p |
$10,000 |
Presidential Bk |
| ChA |
0.25 |
p |
$100 |
TIAA Bk |
| ChA |
0.25 |
p |
$15,000 |
Ally Bk |
| ChA |
0.15 |
p |
$0 |
FNBO Direct |
Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration.
*Notes: Example, "b,i,p" means that the account can be opened as a Business account, or an IRA, or a regular Personal account.
1st: First year APY. Lower APY in subsequent years.
a18: Maximum age is 18.
a23: Maximum age is 23.
a50: Minimum age is 50.
b: Business account.
e: Rate guaranteed until specific date.
f: Variable rate.
g1: Not available in CA, FL, NY or PA.
i: IRA.
k: Brokered; issued by an FDIC-insured bank and sold by a brokerage.
m0: Maximum $20,000.
m1: Maximum $10,000.
m2: Maximum $501.
m3: Maximum $25,000.
m4: Maximum $2,000.
m5: Maximum $35,000.
m6: Maximum $50,000.
m7: Maximum $5,000.
m8: Maximum $1,000.
m9: Maximum $100,000.
m10: Maximum $250,000.
n: NCUA-insured. Anybody can join (unless Note "o" is indicated) otherwise workarounds for membership restrictions usually available.
o: Military and their family only.
p: Personal account.
r0: Requires $1 checking account with one monthly direct deposit or bill payment.
r1: Requires one monthly direct deposit or ACH auto debit, and 10 debit card transactions.
r2: Requires $200/month direct deposit.
r3: Requires $100 checking account.
r4: Requires one monthly direct deposit, ACH payment, or online bill payment, and 15 debit card transactions.
r6: Requires 10 monthly debit card transactions.
r7: Requires $1 savings account.
r8: Requires direct deposits of $1,500/mo, Account Aggregation, Invest Managed Portfolios Account, Invest Self Directed Trading account, monthly Axos loan payment.
r9: Requires $25 savings account.
r10: Requires $5 savings account.
r11: Requires one monthly electronic deposit from payroll, pension, social security, or annuity; and 7 electronic withdrawals.
r12: Requires 12 monthly debit card transactions.
r13: $500 deposit/month.
r14: Requires 15 transactions/month.
r15: Requires $1,000 in monthly credit card purchase transactions.
r16: Requires 15 debit card purchases or $400 in net spend purchases using your debit card.
Information subject to change; deemed reliable but not guaranteed. Please verify with the financial institution before depositing and notify us of discrepancies immediately. |
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