More earning power. (br)Over 30 times more(astr).

MemoryBank's EarnMore(carr) Account combines 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 85,000 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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  • Equal Housing Lender

 

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*As of 09/01/17 the interest rate earned on deposits in your Products is over 30 times 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 09/01/17, if you meet minimum activity requirements.

^The interest rate earned on deposits in your Products 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 09/01/17, if you meet minimum activity requirements.

†Based on the current Annual Percentage Yield (APY) of 1.0% as of 09/01/17, plus a 0.50% bonus APY available to new Products customers meeting minimum activity requirements for the first 12 statements (bonus period), on balances from $0.01 – 249,999.99.  Minimum $50.00 to open account. After the bonus period you must maintain activity requirements to earn the current APY and no bonus APY is available.  Rates may change at any time.   A new customer is defined as not having an Products in the six months prior to date of account opening.  This APY plus bonus APY is over 30 times 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 09/01/17. If activity requirements are not met or balances are in excess of $249,999.99, the APY is .05%. 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. Eyeprint ID available for iOS and Android devices with front-facing 1-megapixel or greater cameras.

†† 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.

 

MemoryBank® is a registered trademark of Republic Bank & Trust Company

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