Maximize your relationship and qualify for our premier interest rates with MAX Money Market
Our MAX Money Market account rewards our best clients with these unique benefits:
- Tiered interest rates based on your total banking relationship including personal, business, and loan accounts*
- Earn premium interest rates when you combine your MAX Money Market account with an active checking account with at least one debit or credit transaction per service charge cycle
- $100 minimum opening deposit
- Up to 8 free debits per service charge cycle*
- $15 monthly service charge waived with a minimum daily balance of $10,000, or a combined relationship balance of $25,000*
Interest Rates and Tiers
*$100 minimum opening deposit. A $15 monthly service charge applies if the daily balance falls below $10,000 during the service charge cycle or the eligible combined relationship balance is less than $25,000 3 business days before the last service charge cycle date. MAX Money Market is a tiered interest rate account. The interest rate tiers for accounts with a b1BANK checking account with at least one customer-initiated debit or credit transaction 3 business days before the end of the interest cycle period will receive the corresponding Premium rates:
| Premium rate tiers with an active checking account (Combined Daily Balance) | Interest Rate | Annual Percentage Yield (APY) |
| $0.01 - $24,999.99 | 2.75% | 2.78% |
| $25,000.00 - $99,999.99 | 2.99% | 3.03% |
| $100,000.00 - $249,999.99 | 3.03% | 3.07% |
| $250,000.00 - $999,999.99 | 3.08% | 3.12% |
| $1,000,000.00 - $4,999,999.99 | 3.13% | 3.18% |
| $5,000,000.00 or more | 3.13% | 3.18% |
The interest rate tiers for accounts without an associated b1BANK checking account with at least one customer-initiated debit or credit transaction 3 business days before the end of the interest cycle period will receive the corresponding Default rates:
| Default rate tiers without an active checking account (Combined Daily Balance) | Interest Rate | Annual Percentage Yield (APY) |
| $0.01 - $24,999.99 | 0.22% | 0.22% |
| $25,000.00 - $99,999.99 | 0.87% | 0.87% |
| $100,000.00 - $249,999.99 | 1.00% | 1.01% |
| $250,000.00 - $999,999.99 | 1.37% | 1.38% |
| $1,000,000.00 - $4,999,999.99 | 2.12% | 2.14% |
| $5,000,000.00 or more | 2.49% | 2.52% |
The APYs are current as of 12/12/2025. Interest rates and Annual Percentage Yields are variable and subject to change at our discretion without notice before the account is opened. The default interest and service charge cycles for this product are from the 1st day of each month to the last day of each month. If the last day of the month is on a weekend or holiday, the previous business day is the last day of the service charge cycle. You may make up to 8 debits or transfers per statement cycle at no charge. Each additional debit in excess of 8 will result in a $10.00 per debit fee. Fees may reduce earnings. Approval required.
Looking to make a big purchase but prefer to hold onto your cash? b1BANK’s Secured Loans allow you to do just that.
See Secured Loans