Best Money Market Accounts 2026
Money market accounts offer HYSA-level rates with check-writing and debit card access. The hybrid between savings and checking for money you might need quick access to.
🏆 Top Pick
Ally
4.20% APYBest money market with full checking features. Competitive APY with check-writing, debit card access, and Zelle. Functions as a high-yield checking account. No monthly fees.
4.20% APYCheck writingDebit cardZelleNo fees
🥈 Runner Up
Discover
4.00% APYTrusted money market with cashback. Earn 4.00% APY with debit card access. Discover's 24/7 US-based phone support provides peace of mind for larger balances.
4.00% APYDebit card24/7 supportCashback debitNo fees
💡 Also Great
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SoFi
4.50% APYHighest rate if you direct deposit. SoFi's checking/savings hybrid earns 4.50% with direct deposit. While technically not labeled a money market, it functions identically with full checking features.
4.50% APYFull checking$2M FDIC$300 bonusDirect deposit
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