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Earn with our highest Money Market interest rate.
No fees for overdrafts of up to $100 with CoverMeTM.
Free transactions at Amerant and partner branches and ATMs.
Access account info, manage transfers, and set up alerts with online and mobile banking.
Write six checks per statement cycle at no cost.
Six free transactions per statement cycle; $12 each after that.
All Amerant deposit accounts are FDIC insured up to the maximum of $250,000.
Amerant Bank is now offering ICS, the lntraFi Cash Service. Access millions in FDIC insurance at network banks.
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 faster than ever directly through the FedNOW® 2 and RTP® services. 2
Here’s how you can set up your Relationship Money Market account.
Apply for an account online
Fund your accounts to start receiving interest.
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.
Access account info, manage transfers, and set up alerts with our secure online banking system.
View account info, access 24 months of statements, set up alerts, and initiate and manage transfers—all from your phone.
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 05/07/2025. Rates are subject to change without notice. This is a variable rate account; balances from $100 and over receive the promotional APY. Must open an account by 05/21/2025, 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, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions from your account per statement cycle.
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.
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.
IMPORTANT FUNDS AVAILABILITY INFORMATION
Please review Amerant’s Deposit Agreement brochure.
Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.
*Annual Percentage Yield (APY) is accurate as of 05/01/2025. Rates are subject to change without notice. This is a variable rate account; balances from $100 and over receive 4.25% APY. Must open an account by 05/21/2025, to get the promotional rate. 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.
Please see here for our Privacy Policy.
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