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It can be easier to waive monthly fees with Santander Bank than with other brick-and-mortar banks

American Express National Bank is an online bank that offers a high-yield savings account and CDs.

American Express doesn't require an immediate opening deposit for any of its accounts, but you must deposit funds into your savings account within the first 60 days or the bank will close your account. American Express doesn't have a banking mobile app, so this bank probably isn't the best fit for savers who like to bank from their phones.

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