An Amerant customer is on vacation enjoying the benefits of their Savings Account.

Money Market Savings Accounts

Receive interest with this flexible Money Market savings account.

Earn more with a high-interest Money Market account. Open an account online with just $100.

$25 monthly fee. Monthly maintenance fee will be waived when you maintain a $5000 balance per statement cycle or maintain a $25,000 combined monthly average balance in other deposit or loan accounts (excludes credit card balances). For additional fees, please refer to our Schedule of Fees.²

View Current Interest Rates

$100

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Money Market Benefits

Earn Interest

Higher returns on your savings with competitive, tiered interest rates.¹

Flexible Banking

Online banking and mobile access to deposit checks, Bill Pay, eBill, e-notifications, e-statements, Zelle® and more.

Mastercard Debit Card

Add Mastercard Debit Card to your digital wallet. Plus, no fee ATM access at all Amerant branches, Presto! (Publix), and Allpoint ATM locations.

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.

Easy to get started

Open an online account with just $50. Transfer your direct deposits and automated payments from your current bank with ClickSwitch®.

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.

No-fee Overdraft Protection with Amerant CoverMe

No-fee overdraft up to $100 with CoverMe^TM.

Receive Payments Fast

Receive payments faster than ever directly through the FedNOW® ² and RTP® services. ²

24/7 Banking On-the-Go

Online Banking

Manage deposits and transfers, send and receive money, add travel notices, and lock your debit card with our secure online banking service.

Amerant Mobile^SM

Deposit checks, send and receive money, access 24 months of statements, add travel notices, and lock your debit card—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.

The welcoming lobby interior of an Amerant Banking Center.

Open a Money Market Savings Account

Only four steps to get started.

Step One

Select if you’re a new or existing customer or continuing an existing application.

Step Two

Enter your name, email, address, and phone number.

Step Three

Verify your identity with your SSN, date of birth, and employment information.

Step Four

Fund your account with at least $100.

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Your FAQs About Money Market Accounts

A minimum opening balance of $100 is required to open a Money Market account at Amerant Bank.

Our Money Market accounts have a low $25 monthly service fee that can be avoided by maintaining an average balance of $5,000 per statement cycle OR maintaining a $25,000 combined monthly average balance in other deposit or loan accounts (excludes credit card balances). Our accounts also include six free withdrawals or transfers per statement cycle^2,³ and charge just $12 per transaction after that.

A Money Market account is ideal if you maintain a balance of $5,000 or more per statement cycle and want to earn higher interest than what is offered on a traditional savings account.

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

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, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions from your account per statement cycle.

⁵ For information on overdraft fees and overdraft related interest charges refer to our For additional fees, please refer to our Schedule of Fees.

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

Please review Amerant’s Deposit Agreement.

Important Information Related to the W-8 Form

The IRS implemented different W-8 forms for individuals and entities. For more detailed information regarding the W-8BEN and W-8BEN-E, visit www.irs.gov. Please complete the form(s) below:

W-8 for Individuals (Personal Accounts W-8BEN) In accordance with U.S. Internal Revenue Service – IRS regulations, the Bank is obligated to withhold taxes on U.S. interest to foreign customers unless it has received a properly completed Substitute Form W-8BEN “Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding” from the customer. All Substitute Forms W-8BEN are registered and maintained in the Bank’s files. Please follow the link to the Substitute Form W-8BEN.
Explanation of US Mailing Address. Please follow the link to the Form.
Send all documentation to: documentos@amerantbank.com. Add copy of unexpired government issued ID for every beneficial owner.

Know Your Customer

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

Funds Availability Policy

For details on when your deposited funds will be available, view our Funds Availability Policy here.

Balance	APY*
$100 – $4,999.99	0.01%
$5,000 – $9,999.99	0.01%
$10,000 – $24,999.99	0.01%
$25,000 – $49,999.99	0.05%
$50,000 – $99,999.99	0.05%
$100,000 – $249,999.99	0.05%
$250,000 – $499,999.99	0.10%
$500,000 +	0.15%

*Annual Percentage Yield (APY) is accurate as of 11/01/2025. Rates are subject to change without notice. Stated offer is valid only for Domestic Personal Account customers. Fees could reduce earnings. Please refer to Personal Checking and Savings Accounts brochure for additional information on benefits and requirements of this particular account. For other applicable fees please refer to the Personal Checking and Savings Accounts brochure and the 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.

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Money Market Savings Accounts

Receive interest with this flexible Money Market savings account.