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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*0.50% Annual Percentage Yield (APY) as of paid on the Online Money Market balances from $0.01-1,000,000. As of 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. Effective 9/16/2019 a below balance fee of $15 will apply if the daily balance falls below $1,000 at any time during the statement cycle.

^Rates may change at any time.

+0.05% Annual Percentage Yield (APY) as of  paid on EarnMore balances from $0.01 – 249,999.99. 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 and

‡‡ 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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