First Southern State Bank of Stevenson, AL has competitive certificate of deposit (CD) rates this week. The bank has a 13-month special CD rate of 1.6% annual percentage yield (APY). The 13-month CD requires a minimum opening balance of $1,000. Interest on the CD is paid monthly or at maturity. Other CD rates include:

• 1.15% APY for 6 months
• 1.51% APY for 1 year
• 1.6% APY for 18 months
• 1.81% APY for 2 years
• 2.27% APY for 3 years
• 2.52% APY for 4 years
• 2.73% APY for 5 years

The CD rates are current as of June 2, 2010. CDs require a minimum opening deposit of $500. Withdrawing funds early results in a penalty of one month of interest for CDs with terms of 12 months of less. The penalty is three months interest for CDs with terms greater than 12 months.

First Southern State Bank also has a regular checking account with no monthly fees as long as you maintain a minimum balance of $500. Balances that fall below $500 are charged a monthly fee of $6, and balances below $250 are charged $7. The minimum deposit to open the regular checking account is $50.

Open a Citizens Bank checking account and you could earn a bonus of up to $120 a year. The bank’s Green$ense program rewards you for making paperless payments.

Any Citizens Bank checking account can be enrolled in the Green$ense program. Each time you make a paperless payment with a debit card the bank pays you 10 cents. You can also earn the bonus with online payments and automatic payments charged to your checking account or debit card.

Details of the Green$ense program include:

• Free enrollment, but some checking accounts have fees associated with them
• Must have 10 eligible transactions in a month to receive Green$ense earnings
• Maximum of 100 eligible transactions per month
• Existing checking accounts are eligible to enroll

The Green$ense program is aimed at helping the environment. According to Citizen Bank, enrolling in the program for just one year can save emissions equal to 87 miles of driving and save almost four gallons of gas consumed by transporting paper statements and bills. Being in the Green$ense program for a year can save more than 3.5 gallons of waste water and more than 7 square feet of forest.

Citizens Bank is based in Providence, RI. It has more than 1,500 branches and and more than 3,500 ATMs in various states.

Bank2 is offering a savings rate of 2.01% annual percentage yield (APY) and a checking account that earns 4.01% APY. The two accounts work together to help you grow your money.

The savings and checking accounts include the following features:

• No minimum balance
• No monthly fees
• Free online banking
• Free e-statements
• Direct deposit available
• $100 minimum deposit to open account

The savings and checking accounts also are insured by the Federal Deposit Insurance Corp. There is unlimited check writing privileges and up to $50 of ATM fees are refunded during each statement period. When you open two accounts, the 4.01% interest earned on the checking account is automatically deposited into the savings.

The Great Rate Checking includes the following features:

• 4.01 APY on balances up to $15,000
• 1.01% APY on balances over $15,000
• 0.1% APY if you don’t meet qualifications for the checking account

The Great Rate Savings has a 2.01% APY on balances up to $35,000. If you have more than $35,000, the savings pays 1.01% APY on the portion above that amount. If you don’t meet the qualifications for the savings account, the interest rate is 0.1% APY.

Bank2 is a unit of Chickasaw Banc Holding Company, which is 100% owned by the Chickasaw Nation. The bank is based in Oklahoma City, OK.

Open an online savings account at HSBC Bank and earn 1.1% annual percentage yield (APY). That compares with the average savings rate of 0.8% APY currently being offered by banks. The savings rate is current as of July 24, 2010. The savings rate is variable and can change at any time.

Details of the savings account include:

• Open a savings account with as little as $1
• No minimum balance requirement
• No monthly maintenance fees
• HSBC checking account is not required
• Link non-HSBC Bank checking account to savings

HSBC Bank allows you to link as many checking accounts to your savings as you want. Recurring transfers can be set up between accounts. You also can withdraw money from most U.S. ATMs with an ATM or debit card. You can only manage the savings account  online and you have access to 24-hour customer support online or by phone.

HSBC Bank is part of HSBC Group, which is based in London. The financial services company has approximately 8,500 offices in 86 countries. HSBC also has over 475 branches located in the U.S.

Money in a HSBC Bank online savings account is insured by the Federal  Deposit Insurance Corp. (FDIC) up to $250,000 per depositor.

The $100 bonus offer is back at PNC Bank. The Web-only offer is available to people who open a PNC free checking account online by July 31, 2010. Details of the offer include:

• No minimum balance required
• No monthly service charge
• Free online banking and bill pay
• Free PNC Bank Visa check card
• Free banking rewards program

The checking account also reimburses non-PNC Bank ATM fees if you have a minimum average monthly balance of at least $2,000.

To qualify for the $100 bonus you must be a new PNC customer and be a resident of Washington, DC, Delaware, Florida, Illinois, Indiana, Kentucky, Maryland, Michigan, Missouri, New Jersey, Ohio, Pennsylvania, Virginia, or Wisconsin. Only one  bonus is allowed per household.

To receive the bonus, you must you make a direct deposit into the account and make 10 direct purchases with the PNC Bank check card within 60 days of opening the account. Each direct deposit must be at least $400. Qualifying direct deposits do not include credit card cash advance transfers, transfers from one account to another, or deposits that are made at branches or ATMs.

PNC Bank also has other checking accounts that qualify for the $100 bonus offer–the Virtual Wallet, Performance, and Performance Select.