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Online Money Market Deposit Account
With our competitive interest rate, the safety of FDIC insurance, and flexibility to access cash at any time, you can earn with ease.
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Money Market Account Benefits
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Withdrawals
Keep your money within reach with simple online banking.
FDIC Insured
Federal government protection for peace of mind.
HIGH Deposit LIMIT
With a limit of $1,000,000.00, we make saving easy.
No Maintenance Fees
Your savings are free to grow.2
Secure, Versatile, and Interest-Earning
Our Money Market account brings it all together — the convenience of a checking account with the income-generating benefit of a traditional savings account.
Open your account in minutes
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Click Below
Begin your fast and secure online application.
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Enter Your Information
A social security or tax ID is required.
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Transfer Your Funds
Use an online bank account or simply mail us a check.
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Questions?
We’re here to help answer any questions you may have.
Call Us: (888) 682-2881
Monday - Friday
8:30 am to 5:00 pm ET
(Closed on weekends and Federal Holidays)
Learn More: Visit our Frequently Asked Questions
Frequently Asked Questions
What is a Money Market account?
Money Market accounts offer easy access to your cash — similar to a checkings account — with the added benefit of earning interest. Withdrawal limits apply.
What are the restrictions of a Money Market account?
Unlike a traditional checking account, Money Market account withdrawals are limited to six transactions per month.
Can I withdraw money from a TotalBank Money Market account without penalty?
Yes, you can make up to six withdrawals per month without penalties. After six transactions, a $10.00 excessive transaction fee will be applied to all proceeding transactions.
What is the minimum and maximum balance for a TotalBank money market account?
For an online Money Market account, the minimum deposit to open an account is $25,000. The minimum balance to earn the advertised APY is $2,500 and the maximum balance allowed per client is $1,000,000.
Can I lose my money in a money market account?
All Money Market deposits are FDIC insured up to $250,000 set by the Federal government. https://www.fdic.gov/deposit/deposits/faq.html
Footnotes:
- 1Interest Rates and Annual Percentage Yields (APYs) accurate as of April 7th, 2025 are: 0.00% APY for Balances of $0.01 - $2,499.99; 4.41% APY for Balances of $2,500 - $249,999.99; 4.41% APY for Balances of $250,000 or more. $25,000 minimum deposit to open. Rates subject to change without notice. For variable-rate accounts, the interest rate is subject to change after the account is opened. Fees may reduce account earnings. A valid email address and Online Banking enrollment are required to open and maintain an account. No transactions allowed by debit card or by check. Please refer to the most current Disclosure & Schedule of Fees for more details.
- 2Certain transaction and service charges may apply. Refer to Disclosure & Schedule of Fees.
