Best Money Market Accounts
A money market account sits between savings and checking: a competitive APY plus the ability to write checks or use a debit card. We rank by APY but give credit for the access features that make these accounts worth choosing over plain savings.
The best money market accounts in 2026 is the Zynlo Money Market Account, which tops our ranking with a money8020 score of 96/100. We track 5 money market accounts, 5 with rates checked against the provider and a regulator. All 5 are ranked and compared below.
Which account pairs a strong APY with genuinely useful spending access?
Top 3 in this category.
Zynlo Money Market Account
A 3.90% APY money market account from Zynlo Bank, sourced from our NerdWallet data partnership.
Quontic Money Market
A 3.80% APY money market with a debit card and check-writing, from an FDIC-insured bank.
EverBank Performance Money Market
A 3.75% APY money market account from EverBank, N.A., sourced from our NerdWallet data partnership.
Compare the numbers.
Click a column header to sort.
| Product | APY | Annual fee | Score | Tier | |
|---|---|---|---|---|---|
| Zynlo Money Market Account Zynlo Bank (a division of PeoplesBank) | 3.90% | — | 96 | Essential | View |
| Quontic Money Market Quontic Bank | 3.80% | — | 93 | Essential | View |
| EverBank Performance Money Market EverBank, N.A. | 3.75% | — | 85 | Strong | View |
| Vio Bank Cornerstone Money Market Vio Bank (a division of MidFirst Bank) | 3.60% | — | 85 | Strong | View |
| Sallie Mae Money Market Sallie Mae Bank | 3.50% | — | 82 | Strong | View |
Run the numbers
Estimate what this could mean for you.
How to choose the best money market accounts
To choose a money market account, compare the APY, the minimum to open or earn the rate, monthly fees, and the check or debit access that sets MMAs apart — then confirm federal insurance.
- The APY and any balance needed to earn it
- Minimum to open and monthly fees
- Check-writing and debit-card access
- Monthly transaction limits
- FDIC or NCUA insurance
Frequently asked questions about money market accounts
How is a money market account different from savings?
The rates are similar, but money market accounts usually add check-writing and sometimes a debit card, giving you faster access to the cash. The trade-off is that some require higher minimum balances to earn the top rate.