Smart Money Market Account

High-Interest Savings with the Convenience of Checking

The Smart Money Market Account from Bank of Internet USA offers the security of a traditional savings account with the benefit of higher interest rates and the freedom to write checks2. If you're looking for a safe investment vehicle for your money, one that will steadily grow your savings with a 1.05% APY1,3 and interest compounded daily, then our Smart Money Market Account (MMA) may be just the account for you.

NerdWallet Best Rewards Checking Account 2016, awarded to Bank of Internet USA

The Benefits

  • Earn a 1.05% APY1,3
  • No monthly maintenance fees
  • No minimum monthly balance requirements
  • The freedom to make a limited number of transactions per month2
  • Free Bank of Internet USA Visa® Debit Card
  • FDIC insured up to the maximum amount allowed

Free Online Banking

The Smart Money Market Account features access to a comprehensive array of free , including:


Compare Savings Accounts

Couple with a Smart Money Market account

Smart Money Market

Smart Savings account holder taking a nap with his son

Smart Savings