The Forbright Bank Platinum Money Market Account offers a competitive 4.25% APY, and it refunds fees charged by out-of-network ATMs. It also allows you to access your money with a debit card or paper checks. However, you need a $250,000 "relationship balance" to qualify for this account. A relationship balance is the combined balance in all of your Forbright accounts. It also has a $2,500 minimum deposit, and you'll pay a $10 monthly service fee if your balance dips below $2,500 on any day of your billing cycle.

Just signed up for their 12 month CD. Took about 5 minutes to open and fund. I did remove my credit report freeze prior to applying as I know some banks do a soft pull and if you have it frozen, they will deny you. Can't speak to any other aspects, but so far so good.

I called the bank this morning and was told their 5.25 percent certificate is only available for 12 month CDs. DepositAccts shows a 12-17 month option for that rate, but not according to the bank. Please keep that in mind.