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Top Money Market Accounts

The finest money market accounts (MMAs) provide competitive interest rates, reasonable service costs, and reasonable account minimums. Not all of them do, but many provide quick access to your money by letting you use a debit card or write cheques. The following Banks offer the greatest MMAs with convenient online and mobile banking experiences.

Last Updated May 2024

CIT Bank banner
  • Best For - Those looking for a high-yield savings account with no fees and easy access to their funds
  • Minimum Deposit - $100
  • Rating - 4.5/5

CIT Bank's Money Market Account (MMA) is a high-yield savings account that offers competitive interest rates and no monthly maintenance fees. It's an excellent option for individuals who want to earn a higher interest rate on their savings without tying up their money in a long-term investment. The CIT Bank MMA offers a variable interest rate that is tiered based on the account balance. The higher the balance, the higher the interest rate. There are no fees for opening or maintaining the account and no minimum balance requirement.

Account holders can easily access their funds through online and mobile banking, as well as through ATM withdrawals and check writing. CIT Bank also offers 24/7 customer support, making getting assistance with questions or concerns easy.



CIT Bank logo
US Bank banner
  • Best For - Those looking to earn a higher interest rate on their savings while still having the flexibility to access their funds when needed.
  • APY - 3.54%
  • Minimum Opening Deposit - $100
  • Rating - 4.6/5

A US Bank Money Market Account (MMA) is a type of savings account that offers a higher interest rate than a traditional savings account. It requires a higher minimum balance to open and maintain than a standard savings account. The current interest rate for a US Bank MMA varies based on the amount deposited, and interest is compounded daily and credited monthly. US Bank also offers a tiered system, meaning the higher your balance, the higher your interest rate.

US Bank MMA account holders are allowed up to six monthly withdrawals or transfers, with a fee for each additional transaction. Some other fees may apply, such as a monthly maintenance fee if the minimum balance is not maintained.



US Bank logo
Quontic banner
  • Best For - Those looking for a high-yield savings account with easy access to funds and no monthly fees.
  • APY - 3.75%
  • Minimum Opening Deposit - $100
  • Rating - 5/5

Quontic MMA (Money Market Account) is an online saving designed for customers who want a high-yield savings account that provides easy access to their funds. With no monthly fees, no minimum balance requirements, and FDIC insurance up to the maximum allowable limit, the Quontic MMA account is a secure and convenient way to save money.

The account offers competitive interest rates higher than traditional savings accounts, making it an attractive option for those looking to earn more on their savings. Customers can easily transfer money to and from their Quontic MMA account using the bank's mobile app or online banking platform.

One unique feature of the Quontic MMA account is its "cashback" program, which rewards customers for using their debit cards to make purchases. The cashback amount is deposited directly into the customer's MMA account, allowing them to earn even more on their savings.



Quontic logo
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