More earning power.

MemoryBank's EarnMore(carr) Account and Online Money Market Account provides the convenience of a checking account with the earning power of a money market.

No need to transfer funds. Or drive to the bank. Or worry about whether you're getting better rates on your money.

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More convenience and security.

Since we're a branchless all-digital banking platform, all the banking services you need are as close as your smartphone, tablet or computer.

Also as close as over 92,000 surcharge-free ATMs(astr)(astr). That's more ATMs than the top five U.S. banks own, combined(carr)(carr).

And, most important, your security is our first priority.

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*1.85% Annual Percentage Yield (APY) as of paid on the Online Money Market balances from $0.01-1,000,000. As of 7/16/2018 the interest rate earned on deposits exceeding $1,000,000 will earn 0.01% APY. Minimum $50.00 to open accounts. Rates may change at any time. Fees may reduce earnings.

^The interest rate earned on deposits in your EarnMore account will remain higher than the national interest rate for checking accounts defined as simple average of rates paid by all insured U.S. depository institutions and branches for which data is available as reported by the FDIC on    .

+1.60% Annual Percentage Yield (APY) as of  paid on EarnMore balances from $0.01 – 249,999.99. The interest rate on the EarnMore Account will remain higher than the national interest rate for checking accounts, defined as a simple average of rates paid by all insured U.S. depository institutions and branches for which data is available, as reported by the FDIC on   .  As of   the interest rate earned on deposits from $0.01 – 249,999.99 in the EarnMore account is over 30 times higher than this simple average.  Minimum $50.00 to open account.  Rates may change at any time.  Fees may reduce earnings.

‡Message and data rates may apply from your wireless carrier. Usage and qualification restrictions apply.

**Number of ATM locations subject to change. Look for the Allpoint, MoneyPass, SUM, or Presto logos at the machine.

^^Based on data compiled by Bankrate available at http://www.bankrate.com/finance/banking/banks-have-the-most-atms-1.aspx and http://www.bankrate.com/finance/banking/americas-biggest-banks-1.aspx

‡‡ Fingerprint ID available for iPhone 5S or higher, and any Android device that has a physical fingerprint scanner and is running the Android 6.0 Marshmallow operating system. 

†† Samsung Pay is available on the following devices. Samsung Galaxy S6, S6 Edge, S6 Edge +, S6 Active, Galaxy S7, Galaxy S7 Edge, Galaxy S7 Active and Galaxy Note5.

 

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