Earn 4.45% APY* and Maximize Your Savings. Limited Time Only. Open Now
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Relationship Money Market Account

Get 4.45% APY* Interest with Relationship Money Market

Make the most of your savings with our highest Money Market interest rate. This account earns variable1 interest.

  • By opening a Relationship Money Market Account, you can earn the highest interest rate while enjoying the flexibility of a checking account.
  • This account offers variable interest, providing a great way to maximize your savings with Amerant Bank’s highest Money Market interest rate.
  • With this combination, you can access your funds quickly and earn a competitive interest rate at the same time.
    • View Current Interest Rates

    $35 monthly service fee.2 Fee will be waived when you maintain a balance of at least $50,000 per statement cycle. Six free withdrawals or transfers per statement cycle.3 Fees may reduce earnings.
    $100 minimum opening balance.
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    Why Open a Relationship Money Market Account?

    Earn More

    Earn with our highest Money Market interest rate.

    Overdraft Protection

    No fees for overdrafts of up to $100 with CoverMeTM.

    Fee-Free Transactions

    Free transactions at Amerant and partner branches and ATMs.

    24/7 Banking

    Access account info, manage transfers, and set up alerts with online and mobile banking.

    Check Writing

    Write six checks per statement cycle at no cost.

    Withdrawals and Transfers

    Six free transactions per statement cycle; $12 each after that.

    FDIC Insured

    All Amerant deposit accounts are FDIC insured up to the maximum of $250,000.

    Amerant Protection+

    Amerant Bank is now offering ICS, the lntraFi Cash Service. Access millions in FDIC insurance at network banks.

    Fraud protection

    Zero liability for unauthorized Debit Card transactions. Easily secure your debit card with the Card Controls feature on the Mobile App: Turn your card on or off, set transaction limits, location controls, alerts, and more.

    Receive Payments Fast

    Receive payments faster than ever before, directly through the Federal Reserve’s FedNOW® Service. 2,

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    The welcoming lobby interior of an Amerant Banking Center.

    Setting Up Your Account

    Here’s how you can set up your Relationship Money Market account.

    1
    Step One

    Apply for an account online
    2
    Step Two

    Fund your accounts to start receiving interest.
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    Your FAQs About Money Market Accounts

    A money market account (MMA) is an interest-bearing savings account offering a higher interest rate than traditional savings accounts. Typically, they also have higher minimum balance requirements and at least a few checking account capabilities.

    Relationship Money market accounts work as savings accounts but allow customers to earn high interest, depending on their deposit amounts based on having a prior or another relationship with the bank. Typically, the more funds a customer adds to their account, the higher their interest percentage, which usually starts at 0.01%. At Amerant you also have additional benefits such as an ATM card and a checkbook to write checks against an available balance.

    To earn interest, a minimum balance of $100 must be kept. Fees on the Relationship Money Market account may reduce overall balance and interest earned.

    You can avoid monthly services fees by maintaining $50,000 per statement cycle.

    Yes. Deposits up to $250,000 are FDIC-insured.

    Along with the variety of benefits and features, we include a complimentary check order starter kit when you open your account.

    You can write up to six checks or transfers per statement cycle3 and charge just $12 per transaction after that.

    Yes. Deposits up to $250,000 are FDIC insured.

    24/7 Banking On-the-Go

    Online Banking

    Access account info, manage transfers, and set up alerts with our secure online banking system.

    Amerant MobileSM

    View account info, access 24 months of statements, set up alerts, and initiate and manage transfers—all from your phone.

    Digital Wallet

    A Digital Wallet stores your payment options, such as your Amerant credit and debit cards, allowing you to conveniently use your smartphone or smartwatch to make a purchase.

    * Annual Percentage Yield (APY) is accurate as of 12/20/2024. Rates are subject to change without notice. This is a variable rate account; balances from $100 and over receive 4.45% APY. Must open an account by 01/10/2024, to get the promotional rate. Stated offer is valid only for Domestic Personal Account customers. Fees could reduce earnings. In order to avoid the $35 monthly service fee for the Relationship Money Market Account, you must maintain a $50,000 balance per statement cycle.For other applicable fees please refer to the Personal Checking and Savings Accounts brochure and Schedule of Fees. Customer must be a citizen or resident alien of the United States (U.S.) with a valid U.S. Taxpayer Identification Number.

    1 At our discretion, we may change the interest rate and the annual percentage yield on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (E.g., checks). If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

    2 For additional fees, please refer to our Schedule of Fees.

    3 You may make no more than six preauthorized withdrawals, preauthorized transfers for overdraft protection, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions from your account per statement cycle.

    USA PATRIOT Act

    To help the government fight the funding of terrorism and money laundering activities, the Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

    What does this mean for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

    Important Notice Regarding Wire Transfers

    IF WE DO NOT HAVE YOUR FUNDS TRANSFER AGREEMENT IN OUR FILES, WE WILL NOT BE ABLE TO EXECUTE TRANSFERS.

    We value our relationship and it is important for us to safeguard your privacy and ensure that your funds are protected against fraudulent activity at all times. For this reason, we are providing you a link to our Electronic Funds Transfers Disclosure.

    Customers who request wire transfers through an Account Officer, should download the new wire transfer “Wire Transfer Form” to authorize this type of transaction. The E-sign Agreement will only need to be signed the first time a wire transfer is initiated.

    For fees related to this service, review our Schedule of Fees.

    Deposit Agreement

    IMPORTANT FUNDS AVAILABILITY INFORMATION

    Please review Amerant’s Deposit Agreement brochure.

    Know Your Customer

    Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.