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Money Market Account

Increase your earning power. Keep your money within reach.

Annual Percentage Yield

% on all balance tiers

Give your savings a turbo boost.

Our Money Market Account gives you a competitive rate to grow your money, plus a debit card and checks to access it with ease.

Use any Allpoint® ATM in the U.S. for free.

Make unlimited ATM withdrawals at one of 43,000+ Allpoint® ATMs for free. We’ll even reimburse up to $10 per statement cycle for fees charged at other ATMs nationwide.

Find an ATM

Your money earns money with a competitive rate.

With  interest compounded daily, your money grows faster. Keep in mind, rate is variable and may change after the account is opened. Deposits are insured by the  FDIC  up to the maximum allowed by law.

More about FDIC coverage

Deposit checks remotely.

With Ally eCheck Deposit℠  you can deposit checks right from your smartphone. Just snap a photo, and you’re good to go. 

Features offered with every Ally Bank account.

Open in the name of a trust.

Offer flexibility and security for the ones you care about most. 

Learn more

No monthly maintenance fees or minimum balance requirements.

Don’t expect any sneaky fees with us. Keep in mind, with this type of account you can make unlimited ATM withdrawals and up to 10 withdrawals per statement cycle. 

About the transaction limit

24/7 support.

Call, chat, or email us any time. A real person is always available to help, day or night.

Direct deposit is a breeze

Let us prefill your form so you can focus on growing your savings.

Explore Direct Deposit

Get more for your money.

Compare the cost of banking somewhere else.

What you should know.

Our Annual Percentage Yields (APYs) are accurate as of . No minimum balance required to earn APY. Keep in mind, these rates are variable and may change after the account is open. Fees may reduce earnings. The APYs for other banks are provided by and are accurate as of . The APYs in this table are for the state of California.

A tier is a range of account balances.

Our balance tiers are:

  • Less than $5,000

  • Between $5,000 and $24,999.99

  • $25,000 or more

The APY we pay is based on the tier in which your end-of-day balance falls. APYs are variable and subject to change.

Fees, a short story.

You shouldn't be nickel and dimed for using your own money.

There's a lot we don't charge for

...and we won't hide the fees we do have.

Get to know every aspect of this account before you sign up.

Check out our Straight Talk Product Guide  (PDF).

Bank better, starting now.

It only takes a few minutes to open an account.

1. Tell us about yourself.

We'll need some personal details like your address, contact information and social security number.

2. Fund your account.

There’s no minimum amount to open an account, but the faster you fund, the sooner you’ll earn interest.

3. Enjoy our award-winning experience.

Get online access right away and explore everything we offer as well as other ways we can help you reach your goals.

Read all about it.

Our experts walk you through the basics of a Money Market Account and the role one could play in your financial picture.

The reviews are in.

People like it here. We think you will, too.

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We have answers.

Still have questions? Visit our Help Center.