Money Market Account

More spending power than a savings account, more interest than a checking account. And with an IncredibleBank Money Market, you can earn 8x the national average. Open yours now.

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Make Your Money Grow Faster

Up to 0.40% APY

Earn 10x the national average with our Money Market Account!

$100 minimum deposit to open

We won't make you break the bank to start investing in yourself.

30,000+ Fee-Free ATMs

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

Why Open A Money Market Account With IncredibleBank?

No Bank Treats You Better

Our mission is to grow our customers' entire financial relationship, and we believe that starts by providing incredible customer experiences in every aspect of your banking relationship.

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, pay your bills, and transfer money remotely anytime, anywhere with the IncredibleBank app! To learn how, click the link below.

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
Saving For College
2nd Home

How To Open Your Money Market Account


Tell Us About Yourself

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


Deposit Funds

Minimum of $100 for your first deposit, and you can fund from an external bank account or another IncredibleBank account.


Download Our App

Be sure to download our industry-leading mobile app to take your IncredibleBank experience to the next level!

How To Use The Mobile App

Mobile Banking allows you to securely manage your finances from nearly anywhere with a few taps or swipes on your phone or tablet. With the IncredibleBank Mobile app enjoy the convenience of:

  • Send money with Zelle®
  • Touch ID login access
  • Mobile deposit
  • Mobile bill pay
  • Mobile wallet
  • Geolocate the nearest surcharge-free MoneyPass™ ATMs

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

Click here to open an account, or give us a call at 1-888-842-0221 to speak to one of our Customer Experience Champions today.
The minimum deposit amount to open an IncredibleBank Money Market account is $100.
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.
Hopefully you will be moving money into your money market account more frequently than you're taking money out, but in the case you do need to take money out, you are allow up to six withdrawals per month. Why only six? Federal Reserve Board Regulation D, requires IncredibleBank to limit withdrawals or transfers  to six per month in savings accounts and money market accounts. You may make 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone transfer, computer transfer, or by check, draft, debit card or similar order to a 3rd party. An Excess Item service charge of $10.00 will be charged for each withdrawal or transfer above the limit of 6 that is allowed per month. Excessive withdrawal or transfer transaction activity may result in changes to your account type, removal of ability to transfer, or account closure. If you know you're going to be transferring money quite often, consider an IncredibleBank Checking account.
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 int he 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. Simply search "IncredibleBank" in the Apple or GooglePlay stores. When you open your savings 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 Champions about your account.

Stay in control with alerts

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

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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