Banking products it offers: Checking and savings accounts

CIT Bank was founded in 2008, although its history dates back to 1908. The online bank we know today offers savings and money market products, as well as certificates of deposit, and has recently added a checking account. The bank also lends to homebuyers.

Banking products it offers: Savings, checking, money market, CDs with options.

Rates (APY): Up to 1.01% on Savings Builder (limitations apply, see below), up to 0.25% on eChecking (0.10% on balances under $25,000), 1.06% on money market, 0.75% on 12-month CD with minimum $1,000 deposit, 0.75% on 11-month CD with penalty-free withdrawals.

Fees: No monthly fees.

Website: bankoncit.com

App: 4.6 stars on App Store, 4.1 stars on Google Play.

Access: No ATM access. ATM fee reimbursement of up to $15 per month.

Savings Builder: CIT Bank offers what it calls the Savings Builder account. The account requires customers to maintain a balance of $25,000 or more, or make at least one monthly deposit of $100 or more. Those who meet either of these requirements earn what CIT calls an Upper Tier interest rate. Here are the tiered rates on the Savings Builder account:

• Base Tier: 0.80% APY for balances under $25,000
• Upper Tier: 1.01% APY for balances under $25,000 but with at least one monthly deposit of $100 or more
• Upper Tier: 1.01% APY for balances of $25,000 or more

The first purchase with a Discover credit card was made on September 17, 1985, in the amount of $26.77. A lot has changed since that first purchase at a Sears store in Atlanta, including the introduction of deposit accounts. Today, Discover’s online bank (Member, FDIC) offers checking and savings products, as well as an IRA CD.

Banking products it offers: Checking*,Savings, Money Market, CDs.

Rates (APY): 1.01% on savings, 0.85% on money market balances under $100,000, 0.90% on 12-month CD with minimum $2,500 deposit. Discover Checking offers 1% cash back on up to $3,000 in debit card purchases each month.

Fees: No monthly fees on any accounts.

Website: discover.com/online-banking

App: 4.8 stars on App Store, 4.6 stars on Google Play.

Access: 60,000 ATMs.

Goldman Sachs was founded in 1869 and is one of the premier names in high net worth investing. The firm offers investment banking, institutional client services, investing and lending, and investment management.

Marcus offers online savings accounts, CDs and personal loans. For savers looking for a higher rate without locking their money away in a long-term CD, Marcus offers a 7-month no-penalty CD. It has a $500 minimum deposit with no early withdrawal penalty if you need to access your money.

Banking products it offers: Savings accounts, CDs, loans.

Rates (APY): 1.05% on savings, 1.10% on a 12-month high-yield CD with a $500 minimum balance.

Fees: No monthly fees.

Website: marcus.com

App: 4.9 stars on App Store, 4.6 stars on Google Play.

Access: No ATM access.

Radius Bank was founded in 1987 and is headquartered in Boston, Massachusetts. It has over $1.3 billion in assets and has won multiple innovation awards in recent years.

The bank offers an array of traditional banking products for consumers, businesses and institutional customers. You’ll find checking, savings, CDs and loans, as well as escrow and cash management services for clients with more complex needs. The rewards checking account offers 1.00% cash back on all debit card purchases when you maintain a $2,500 average balance or receive $2,500 in direct deposits each month.

Banking products it offers: Checking and savings accounts, CDs, loans.

Rates (APY): Rewards checking earns 0.10% on balances of $2,500 to $99,999.99; 0.15% on balances $100,000 and above. High-yield savings earns 0.05% on balances exceeding $10, 0.15% for balances of $2,500 to $24,999.99, and 0.25% for balances of $25,000 and up. A 12-month CD earns 0.50% with a minimum balance of $500.

Fees: No monthly fees.

Website: radiusbank.com

App: 4.5 stars on App Store, 4.4 stars on Google Play.

Access: Unlimited ATM rebates.