Check Writing
Write checks directly from your money market account when the bank supports it.
Money market accounts
Money Market Accounts
Earn competitive rates while maintaining easier access to your cash. Compare money market accounts with check writing, debit cards, and higher yields than savings.
Check Writing
Debit Card Access
Higher APY
Rates last updated: February 24, 2026 | Showing 4 featured money market accounts
About Money Market Accounts
Debit Card
Some accounts include debit card access for easier everyday withdrawals.
Higher Yields
Money market accounts often pay more than traditional savings accounts.
FDIC Protected
Deposits are protected up to the standard FDIC insurance limits.
Sort Options
Top Money Market Accounts
UFB Direct Money Market
Money Market Account
4.0
/5
APY
5.15%
Min. Deposit
$0
Monthly Fee
$0
Key Features
- ✓ Top tier APY
- ✓ No minimum deposit
- ✓ Free checks and debit card
- ✓ Mobile banking app
Sallie Mae Money Market
Money Market Account
5.0
/5
APY
5.10%
Min. Deposit
$0
Monthly Fee
$0
Key Features
- ✓ No minimum balance requirement
- ✓ Free paper checks
- ✓ ATM card included
- ✓ Up to 6 withdrawals per month
Vio Bank Money Market
Money Market Account
4.0
/5
APY
5.05%
Min. Deposit
$100
Monthly Fee
$0
Key Features
- ✓ Competitive APY
- ✓ Low minimum to open
- ✓ No monthly fees
- ✓ Easy online management
Discover Money Market
Money Market Account
5.0
/5
APY
4.90%
Min. Deposit
$2,500
Monthly Fee
$0
Key Features
- ✓ Check writing privileges
- ✓ Free ATM/debit card
- ✓ Cash back rewards on purchases
- ✓ U.S.-based customer support
About Money Market Accounts
Money market accounts blend higher savings-style yields with easier transactional access. Depending on the bank, that can include check writing, debit card access, or withdrawal flexibility that traditional savings accounts may not offer.
They are different from money market mutual funds, which are investment products. Bank money market accounts at FDIC-insured institutions keep your deposits protected up to standard limits.
Frequently Asked Questions
What is the difference between a money market account and a savings account?
Money market accounts often pay higher yields and may include transaction features like checks or debit cards, but they can also come with higher balance requirements.
Are money market accounts safe?
Yes. At FDIC-insured banks, money market accounts are generally insured up to the standard deposit limits, just like savings accounts and CDs.
How many checks can I write from a money market account?
That depends on the bank. Even though federal transfer rules changed, many institutions still keep their own transaction limits or fees in place.
Can I lose money in a money market account?
Not in a bank money market account within FDIC limits. Just make sure you are opening a bank deposit product, not a money market mutual fund.
Important Disclaimer
Rates, minimum deposits, and account features can change without notice. Always verify the current APY, transfer rules, and fee schedule before opening an account.
POND may receive compensation from partners featured on the page. That may affect placement, but not our editorial judgment.
Connected content
Related research and explainers
Can My ZIP Code Push My Car Insurance Thousands Above My State Average?
Why city-level quotes diverge from state benchmarks
Read moreCar insurance deductibles: Choosing the right amount
Long-form research backed by POND content data.
Read moreCar insurance renewal: Your ultimate hassle-free guide
Long-form research backed by POND content data.
Read more