Money Market Account at Regional Banks
How regional banks handle MMA accounts — rates, fees, and what to watch.
What to Expect from Regional Banks MMA Accounts
Mid-size institutions (Regions, Huntington, Fifth Third, KeyBank). Often competitive CDs; savings rates lag online banks but beat big-four.
For MMA specifically: A hybrid deposit account combining savings-account interest rates with limited check-writing and debit-card access. Rates often tier by balance, rewarding larger deposits.. At regional banks, the rate pattern reflects their cost structure and competitive positioning in the deposit market.
Rate Summary — MMA at Regional Banks
Typical APY range
4.20–5.00%
Minimum balance
$2,500+
Rate range as of 15 May 2026. Rates change daily — verify before depositing.
Key Characteristics at Regional Banks
- Check-writing access
- Debit card at many banks
- Tiered interest (higher balance → higher rate)
- FDIC insured up to $250,000
Which Depositor Profiles Fit This Combination
Emergency Fund Builder
Accumulating 3–6 months of expenses in an accessible, liquid account. Prioritises FDIC saf…
View suitability analysis →
Small Business Owner
Managing operating cash and reserves in a business entity. Needs ACH capability, FDIC cove…
View suitability analysis →
High-Net-Worth Depositor
Managing cash positions exceeding $250,000. Requires strategies for FDIC coverage beyond t…
View suitability analysis →
We match you to the specific institution that fits your balance, time horizon, and profile.
Affiliate link — we may earn a commission. See disclosure.
Compare Other Bank Types
MMA at Big-Four Banks
Chase, Bank of America, Wells Fargo, and Citibank. Unmatched branch ne…
MMA at Online-Only Banks
Ally, Marcus, Discover Bank, American Express Bank. Consistently lead …
MMA at Credit Unions
Member-owned cooperatives insured by NCUA. Share rates often match or …
MMA at Fintech Neobanks
SoFi, Wealthfront Cash, Betterment Cash Reserve. Pass-through deposit …
MMA at Brokerage Banks
Fidelity, Charles Schwab, Vanguard banking arms. Sweep rates are often…