Want to earn as much as you can on a high balance, but have no need for ATM or debit transactions? Prime Alliance’s money market account is a rate leader that trades frills for a simple, straightforward account at a great rate, making it our top choice for high balances with low activity.
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Pros
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- Competitive interest rate
- No minimum opening or ongoing balance
- No monthly maintenance fees
Cons
- No ATM or debit card
- Withdrawals are limited to six per month
- Ordering paper checks will cost you
For those who want their money market account to be a simple place they’ll park cash without a lot of need for transactional withdrawals, Prime Alliance provides an easy to use account that pays a nation-leading rate of 0.60% APY. That rate applies to all balances, so if you’re regularly holding $50,000 or more, this account can pay off.
Founded in 2004 in Woods Cross, Utah, north of Salt Lake City, Prime Alliance charges no monthly fees on its money market account, requires no minimum balance at any time, and can even be opened with nothing. Ordering checks will cost you, but sets ordered through the bank are inexpensively priced.
The biggest downside here is that withdrawals from this account can only happen by check, electronic payment, or electronic transfer. No ATM or debit card is available with this account. And like the majority of money market accounts, withdrawals are capped at six per month.
