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Earn more when you save more with our money market savings account. It's a convenient way to build your savings and reach your goals quicker.
Higher interest rates
Earn anywhere from 0.05% to 0.15% APYDD based on your balance.
Easy access
Get unlimited withdrawals and transfers in person or at First Citizens ATMs.
Banking when you want it
Enjoy free Digital Banking,D bill pay and 24/7 mobile deposits.
Earn up to 0.15% APYDD depending on your money market account balance.
Maintain a $1,000 daily balance to avoid a $10 maintenance fee.D
Open your money market account online with a minimum deposit of $500.
Get alerts
Securely keep track of your account activity with text and email alerts.
Spot spending trends
Use the Manage My Money trends tool to visualize your spending habits.
Manage wealth
See the full picture by tracking all your accounts, even from other financial institutions.
Pay your bills from any device
Send money with Zelle®
Transfer funds to other accounts
Pay your bills from any device
Send money with Zelle®
Transfer funds to other accounts
Money Market Balance |
APYDD |
---|---|
$0 to $999 |
0.05% |
$1,000 to $9,999 |
0.05% |
$10,000 to $24,999 |
0.05% |
$25,000 to $49,999 |
0.07% |
$50,000 to $99,999 |
0.07% |
$100,000 to $499,999 |
0.10% |
$500,000+ |
0.15% |
Interest rates for money market savings accounts may vary depending on your area. Contact your local branch for details.
It's easy to open a money market account online in just three steps.
To start your application, we'll ask for your personal details such as name, address, email address and Social Security number.
Make an initial deposit of $500 or more with your credit or debit card or by transferring funds from an existing First Citizens checking or savings account.
Get online access to your money market account right away when you enroll in Digital Banking.
A money market savings account, also called a money market account, is a tiered savings account that offers higher interest rates as your savings grow. Interest is compounded daily and paid out monthly, which helps your account balance grow more quickly than a traditional savings account.
A money market account is a great choice when you want to save money but aren't sure when you'll need access to your funds. It offers a couple of advantages over other types of savings accounts. First, it's a tiered savings account, which means you can earn more interest as your account balance grows. And unlike certificates of deposit, or CDs, you can withdraw funds with no penalties. This means you can access your funds when you need them, rather than having to wait for them to mature.
The main difference between a money market account and a regular savings account is interest. Money market accounts typically offer higher interest rates, and those rates are tiered based on the account balance. In other words, you earn more when you save more. Regular savings accounts, on the other hand, have the same rate regardless of your balance.
Other differences include fees and the minimum opening deposit required for each type of account. Be sure to compare these details when choosing which type of account to open. Talking to a banker at your local branch can also help you decide which account is right for you.
You can open a money market account online in only a few minutes. We'll ask you to provide some personal details before you can fund your account. The minimum opening deposit is $500. Once your account is open, you can enroll in online Digital Banking and access everything it has to offer. If you'd like to open your account in person, you can visit a local branch.
The minimum opening deposit for a money market savings account is $500. To waive the $10 monthly maintenance fee, maintain a daily balance of $1,000.
Yes. Your money market account is FDIC-insured up to $250,000.
Account openings and credit are subject to bank approval.
For complete list of account details and fees, see our Personal Account Disclosures.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
APY (annual percentage yield) is accurate as of ${date-today}. After that time, the rate is variable and may change. Other account-related fees may apply. Fees could reduce the earnings on the account.
First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app. Mobile carrier fees may apply for data and text message usage. Check with your carrier for more information. Fees may apply for use of certain services in First Citizens Digital Banking.
The $10 maintenance fee and $0.30 per PIN-based transaction is waived if you maintain a daily collected balance of $1,000.
Minimum opening balance of $500 in new funds to First Citizens, maximum of $1,000,000, required to receive the advertised APY.
Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.
NMLSR ID 503941
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Customers with account-related questions who aren't enrolled in Digital Banking or who would prefer to talk with someone can call us directly.