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Money Market Account

You deserve the best of both worlds - the liquidity of a checking account with the earnings of a savings account. 

More spending power than a savings account, more interest than a checking account. Open yours now.

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Make Your Money Grow Faster


Up to 3.00% Annual Percentage Yield

Earn on your liquid funds with our Money Market Account!



Get Started with a Low Initial Deposit 

It's easy to begin your journey to financial growth with just $25—no big commitment required to start investing in your future.


30,000+ Fee-Free ATMs

Get access to your money using your IncredibleBank VISA Debit Card.

Why Open A Money Market Account With IncredibleBank?

Helping you Do the Incredible

Our mission is to grow our customers' entire financial relationship, and we believe that starts by providing an Incredible Customer ExperienceSM with every interaction.

Information Security
IncredibleBank works around the clock to protect your information and data security. You can rest easy knowing your money is safe with us.
Personalized Customer Service
We believe in the power of personal relationships, and that's why you will always be able to talk to a live person when you call or message us via our mobile app.
Nationwide Coverage

With customers in all 50 states, we offer the tools you need for a seamless banking experience, no matter where you are. Feel free to travel the country without being tied to a local branch.

Industry Leading Mobile App

Deposit your checks, switch your direct deposit, pay your bills, and transfer money anytime, anywhere with the IncredibleBank mobile app! 

FDIC Insured

Have peace of mind knowing your deposits are federally insured up to $250,000. Unlike other financial technology companies, IncredibleBank is a bank backed by the FDIC.














Get Started Today

Applying for an account is free and has zero impact on your credit score.

Open Account

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With Growth, Comes Opportunity

Trust Fund
Liquidity
Saving For College




Retirement
2nd Home






How To Open Your Money Market Account

For information about how to switch banks, check this out(Opens in a new Window).
1

Tell Us About Yourself


We'll need some information from you like name, address, and birth date to open your IncredibleBank online checking account.


2

Deposit Funds


Make your first deposit with just $25—no minimum balance required after that to keep your account open!


3

Download Our App


Be sure to download our industry-leading mobile app, where you can switch your direct deposit, deposit checks, transfer money, pay bills, and more!





Customer Reviews


Average Reviews: 4.8 (over 250 reviews)

 
"I made an error on an endorsement of a rather large check that I wanted to deposit. I was afraid the check would have to be voided and reissued but Andrew and Robin at the Middleton bank solved the problem right away.
 
What a relief that they could help with something I messed up! This will always be my bank of choice."
 
Susan R. - IncredibleBank Customer
 
"Upon a recommendation, I made an appointment with Mike Mattila. I have been fortunate ever since. Exceptional service!
 
Thrilled to have a local and responsive professional who also offers competitive rates across the industry. This high maintenance customer is grateful and wishes Mike all the success he is due. Thank you!"
 
Chris F. - IncredibleBank Customer
 
"They have always been helpful, and also promptly notify us if there is a potential fraudulent use of our debit card number somewhere else. Service has always been fast and efficient."
 
Dennis C. - IncredibleBank Customer







Frequently Asked Questions

You can think of a money market account as a hybrid between a checking and a savings account. While it is often used to save money as it earns more interest than most checking accounts, it may also have debit card and check-writing privileges.
 
If you are ever setting up an ACH transaction to electronically deposit into or withdraw from an Money Market, you would need to select "Checking" as the type of account.
Click here to open an account, or give us a call at 1-888-842-0221 to speak to one of our Customer Experience Representatives today.
We don't require a minimum deposit to open an account. We do ask that you fund your account within 15 days, however.
We offer a variety of ways to deposit funds into your money market account depending on the type of funds you want to deposit:
  1. Electronic funds - Use our bank-to-bank transfer feature to deposit funds from an outside bank account to your IncredibleBank Money Market. You can also transfer money from one IncredibleBank account to another anytime within online banking or our mobile app.
  2. Check - Use our remote deposit feature to take a picture of your check and deposit it into your account.
  3. Cash - We recommend three different ways to deposit cash into your online bank account:
    1. Make a deposit at a cash-accepting ATM. There are thousands of cash-accepting ATMs throughout the US. Simply insert your debit card into the machine, select deposit cash, and insert your bills into the machine. These funds will immediately be available in your account.
    2. Get a money order. Money orders are like "official checks" that you pay for in advance, possibly with cash. You can purchase a money order from just about any financial institution, post office, or large department stores like Walmart. There will be a small fee associated with money orders, usually less than $5. To deposit your cash to IncredibleBank, you can purchase a money order with your cash, make the money order out to yourself, and deposit your money order using our mobile deposit feature.
    3. Use another account. If you still have a checking account at your local bank, you can deposit the cash at your local bank, then transfer the funds from your local bank account to your IncredibleBank Money Market account.
To use your debit card with your checking account, you must first activate the debit card. When you receive your debit card in the mail, call the number listed on the card, identify yourself, set your PIN number, and you're all set! You can then use your debit card to withdraw cash from your checking account at ATMs, make in-store purchases at most retailers, or use your card information to pay for items online.
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited to your account at the end of each statement cycle.

If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
You can withdraw money from your savings account by transferring money to another account, like an IncredibleBank Checking account for example. You can also request a debit card be linked to your money market account to withdraw cash at ATMs. 
Yes, IncredibleBank has FDIC deposit insurance on all deposit accounts coving depositors dollar-for-dollar, principal plus any interest accrued or due to the depositor, through the date of default, up to at least $250,000.
 
For example, if a person had a checking account with a principal balance of $150,000 and $50 in accrued interest, the full $150,050 would be insured, since principal plus interest did not exceed the $250,000 insurance limit for each account. FDIC insurance may vary based on your situation.
 
It's best to use the FDIC insurance calculator to determine your exact coverage.
The easiest way is to download the IncredibleBank app. From your phone, search "IncredibleBank" in the Apple or GooglePlay stores.

When you open your account online, you will be given a username and password to setup online banking access.  You can use this username and password to access your account through our website or via the mobile app.

You can also give us a call at 1-888-842-0221 and speak with one of our Customer Experience Representatives about your account.

Stay in control with alerts

You’re always in-the-know with daily balance notifications and transaction alerts

Learn About Our Banking App 


Personalized Customer Service


This is Lisa, our Customer Experience Champion. She is here to answer any questions you may have. At IncredibleBank, we believe in the power of personal relationships, and that's why you will always be able to talk to a live person when you call or message us via our mobile app. Lisa can help you with opening your checking account, troubleshooting any issues you may be experiencing, and along with her team, is a great resource for any financial questions you may have.

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