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Barclays has existed as a financial institution for more than 300 years, with origins as a bank in London. Today, its U.S.-based online banking division ranks as the 60th largest bank in the nation, based on total assets. The online banking division, which includes savings and CD accounts, launched in 2012.

Savings Accounts

The Online Savings Account from Barclays is among our top high-yield savings accounts today. There are no monthly fees and no minimum balance requirements to open the account. If you maintain a balance less than $1.00 for more than 180 days, though, Barclays may close your account.

You can deposit money into your savings account using online or mobile check deposit, direct deposit, ACH transfer from another bank account, or mailed check. When you’d like to withdraw from your savings, you can also do so via ACH transfer, or request to have a check mailed to you.

There’s no limit to the number of transactions you can make each month.

Certificates of Deposit

Barclays has a few different CD term options, and all its CD accounts are traditional CDs. You can choose between 12 month, 18 month, 24 month, 36 month, 48 month and 60 month terms.

There are no monthly fees and no minimum balances to open a CD. However, you must put some amount in your account within 14 days of opening to keep it active.

Early withdrawal penalties depend on the CD term. For CDs shorter than or equal to 24 months, you’ll pay 90 days of interest on the dollar amount withdrawn, and for CDs more than 24 months, you’ll pay 180 days worth of interest on the dollar amount withdrawn.

When your CD matures, you can withdraw your money within a 14-days grace period or choose to roll it over into a new account with the same or different term at the current interest rate.