Independent BankMoney market accountChecked Oct 10, 2026Updated
Independent Relationship Money Market account
0.06%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $0 after fees
- Monthly fee
- $12 a month
Visit IndependentThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 0.06% | −$143 |
| $5,000 | 0.06% | $3 |
| $10,000 | – | $0 |
| $25,000 | – | $0 |
| $50,000 | – | $0 |
| $100,000 | – | $0 |
Fees
- Monthly fee
- $12 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Maintain a $2,500 daily balance to avoid a $12 monthly fee.Source · checked Oct 10, 2026
- Overdraft fee
- $34Source · checked Oct 10, 2026
- Returned item (NSF) fee
- $34Source · checked Oct 10, 2026
- Most overdraft fees in a day
- 5Source · checked Oct 10, 2026
- ATM network
- MoneyPass® ATM NetworkSource · checked Oct 10, 2026
- ATMs in the network
- 32,000Source · checked Oct 10, 2026
- International ATM fee
- $3.50Source · checked Oct 10, 2026
- Incoming domestic wire
- $15Source · checked Oct 10, 2026
- Outgoing domestic wire
- $25Source · checked Oct 10, 2026
- Incoming international wire
- $15Source · checked Oct 10, 2026
- Outgoing international wire
- $60Source · checked Oct 10, 2026
- Inactivity fee
- $10Source · checked Oct 10, 2026
- Early closure fee
- $10Source · checked Oct 10, 2026
- Cashier’s check
- $7Source · checked Oct 10, 2026
- Stop payment
- $34Source · checked Oct 10, 2026
Features
ATM fee rebatesAutomatic savingsInterest bearingMobile check depositSavings round ups
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money