The Schwab Bank High Yield Investor Savings account doesn’t have a minimum balance requirement, so you can open one with any amount of money. It also doesn’t charge a fee, regardless of how low your balance is. This savings account comes with a debit card, which lets you make free withdrawals from any ATM in the world (notably, Charles Schwab Bank will refund any fees charged by the ATM owner). You can also access your account by mobile app, but only if you have a Charles Schwab brokerage account.

However, since this is a savings account, Regulation D limits do apply — as such, you can only make six of certain transactions, like bill payments or debit card purchases. If you exceed these monthly limits, Charles Schwab Bank could close your account or convert it into another type of account, like checking. However, these rules do not apply to ATM withdrawals, so you can make as many of these as you want per month.

The Schwab High Yield Investor Savings account earns interest on all balances and the rate is always the same. But despite being called “high yield,” this account doesn’t pay that high of an interest rate.

This account could be worth using if you invest with Charles Schwab and want to keep some of your uninvested cash in a savings account, which you can easily access thanks to the free, global ATM access. However, if you’re looking to grow your savings by earning interest, you’d likely be better with one of the top options on the market today.

Charles Schwab Bank also offers a checking account for its brokerage account customers. You must have a linked Schwab One brokerage account to open this checking account. However, you can open them at the same time and there are no fees, minimum balance or minimum trade requirements to launch a brokerage account.

There’s also no minimum deposit required to open a Schwab Bank High Yield Investor Checking account, and it won’t charge a monthly fee, regardless of your account balance. This account earns a moderate interest rate on all balances. It also comes with a debit card for making purchases, though you won’t earn cash back on your spending. This account also comes with a mobile app for account management, mobile deposits and mobile pay.

In terms of ATM access, this account is excellent. Though Charles Schwab Bank doesn’t have its own ATMs, you can make free withdrawals from any ATM in the world. Charles Schwab Bank will refund any ATM fees and doesn’t charge a fee for converting your dollars into other currencies for international withdrawals.

However, if you overdraft your account, Charles Schwab Bank won’t cover the overdraft. Instead, it denies the transaction and charges a nonsufficient funds fee (NSF fee) of $25 per transaction, up to $100 per day maximum. However, you can link to other Charles Schwab checking, savings and brokerage accounts to cover overdrafts using those balances — and Charles Schwab Bank won’t charge a fee for doing so.

This account could be useful for those who want a free checking account that also offers excellent free ATM access, especially for international withdrawals. On the other hand, if you’re trying to earn interest on your checking account too, you might be better off with some of these excellent options. They also keep fees low while paying respectable interest rates.

Charles Schwab Bank uses the same branches as the Charles Schwab financial network, which are nationwide. You can visit these professionals to handle your banking needs, like depositing checks, as well as reviewing your investments and financial plan. You can also get help by live chat or by phone.

Charles Schwab Bank doesn’t have its own ATMs; instead, they allow their customers to access any ATM in the world for free by refunding any charges from the ATM owner. However, the one downside of this system is that there is no way to directly deposit cash.

If you have a Charles Schwab Bank account, you can access it through their website. Through one login, you can see all your accounts in one place, including your investment accounts. They also offer a mobile app (provided you have an existing brokerage account), which allows you to manage accounts, deposit checks and transfer funds to other people.

Customer reviews of Charles Schwab Bank have been mostly positive, with an average score of 4 out of 5 stars on DepositAccounts.com. Positive reviews expressed pleasure with the ease-of-use of the website and mobile app, the effectiveness of Charles Schwab Bank’s phone customer service to solve problems and happiness with the global ATM network. Negative reviews seemed to focus on specific problems, like a customer who unexpectedly had their account closed or a debit card withdrawal denied, which could have skewed their review. Overall, though, most reviewers seemed satisfied with Charles Schwab Bank.

Capital One’s 360 Performance Savings account is a simple, straightforward savings account that comes with some added features. The account has no fees and no minimums, yet it still pays an APY many times the national average, currently 0.40%. Customers have access to the Capital One mobile app and digital savings tools (which include automated transfers), but there is, notably, no ATM access allowed with this account.

Overdrafts are not allowed with this account, which may be a plus or a minus depending on what type of customer you are. Meanwhile, outgoing wire transfers incur a fee of $30. In addition, according to Federal Reserve Regulation D, you are limited to six transfers from savings accounts per statement cycle, although there are no limits on transfers into your own account. Capital One has currently suspended this regulation, although it may be reimposed at any time.

The Capital One Kids Savings account functions almost identically to the 360 Performance Savings account, but with a few minor differences. For example, while the account offers access to the Capital One mobile app, there are parental controls available. The app can be used to automate savings deposits to the account, make mobile deposits or set up and track savings goals.

The account is limited to kids under the age of 18 who have a parent or legal guardian available to open an account on their behalf. The adult who opens the account must link the Kids Savings account to their own personal checking account at another institution. To fund the account, you must make an electronic transfer from your linked checking account or send a personal check.

Like the 360 Performance Savings account, this account has no fees or minimums and pays a decent interest rate, although the APY for this account is 0.30% as opposed to the 360 Performance Savings account’s 0.40%. Withdrawals are limited to six per month, including internal transfers. However, there is no ATM access with this account; parents must log in under their own username to make transfers out of the account.

All-in-all, the account offers kids the opportunity to learn about how savings accounts work, mostly within the same parameters as the 360 Performance Savings account. In fact, when account holders reach the age of 18, this account will automatically turn into a 360 Savings account.

The Capital One 360 Checking account is a good option for those looking for an account with no minimum deposit requirement and no fees. Unlike many of its no-fee competitors, this account also pays a 0.10% APY on all balances.

For a free checking account, the level of available services on this account are impressive. For starters, you can use your Capital One debit card to access over 70,000 fee-free ATMs across the country, including those in the MoneyPass and AllPoint ATMs. Customers can also access peer-to-peer payment capability via Zelle. The first 50 checks for any account are free.

Capital One doesn’t provide rebates for out-of-network ATM fees charged by third parties, but it also doesn’t assess any fees itself. Overdrafts are allowed with this account, subject to a $35 fee — however, there is a Next-Day Grace option which allows account holders one day to bring their account current and avoid the $35 overdraft fee. Outgoing domestic wire transfers incur a $30 fee.

The MONEY checking account is designed for kids at least 8 years of age. As with the Kids Savings account, an adult is required to sign on to the account and link a checking account, and parental controls are available. However, this account does offer ATM access, with the same network of fee-free ATMs as the adult accounts at Capital One.

The account is designed to teach teens — and even those as young as 8 — the basics of having their own banking account. Minors can use the account’s mobile app to perform a wide variety of basic banking tasks, from checking their balances and setting savings goals to depositing checks, setting up remote deposit and getting text alerts and notifications. However, there is no physical check writing available with this account.

Capital One combines branches, cafés and an online experience to serve its customers. Although the bank’s annual report doesn’t disclose the number of physical locations it has, it does note that it utilizes “2.3 million square feet of bank branches and cafés,” mainly in New York, Louisiana, Texas, Maryland, Virginia, New Jersey and California.

You can open any type of account on the bank’s website, in addition to performing all account maintenance transactions. The mobile app has great functionality, allowing most account management tasks including bill pay, rewards redemption, remote deposit and P2P payment via Zelle. The app also receives high ratings from users — 4.7 stars on Google Play and 4.8 stars on the App Store (at time of writing).

The bank has a vast network of fee-free ATMs, including over 70,000 across the MoneyPass, Allpoint and Capital One networks, though not all accounts offer ATM access, as described above. Automated customer service is available 24/7 at 800-655-BANK (2265), with customer service bankers available 7 days a week, from 8 a.m. to 11 p.m. EST.

All-in-all, the bank offers a modest range of personal deposit accounts that have no fees or minimums and pay decent APYs. The mobile app allows customers to handle most of their transactions remotely, extending the bank’s reach beyond its primary seven-state coverage area.