TrustCo BankMoney market accountChecked Oct 10, 2026Updated
TrustCo Money Market
0.05%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $5 after fees
- Monthly fee
- $10 a month
- On our list
- #80 of 152 money market accounts, by a year’s value on $10,000
Visit TrustCoThe 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 | 0.05% | −$120 |
| $5,000 | 0.05% | $2 |
| $10,000 | 0.05% | $5 |
| $25,000 | 0.08% | $20 |
| $50,000 | 0.10% | $50 |
| $100,000 | 0.35% | $350 |
Rates by balance
| Balance | APY |
|---|---|
| $0 to $14,999.99 | 0.05% |
| $15,000 to $49,999.99 | 0.08% |
| $50,000 to $99,999.99 | 0.10% |
| $100,000 to $499,999.99 | 0.35% |
| $500,000 to $1,999,999.99 | 0.40% |
| $2,000,000 to $4,999,999.99 | 1.01% |
| $5,000,000 to $9,999,999.99 | 1.01% |
| $10,000,000 and up | 1.01% |
Source: the bank’s rates · as of Oct 10, 2026
Fees
- Monthly fee
- $10 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- $2,500.00 daily minimum statement balance to avoid $10.00 monthly service chargeSource · checked Oct 10, 2026
- Overdraft fee
- $36Source · checked Oct 10, 2026
- Returned item (NSF) fee
- $36Source · checked Oct 10, 2026
- Overdraft transfer fee
- $10Source · checked Oct 10, 2026
- Most overdraft fees in a day
- 5Source · checked Oct 10, 2026
- ATM network
- Trustco ATM; no fee at Publix Supermarket or in the Allpoint NetworkSource · checked Oct 10, 2026
- Out-of-network ATM fee
- $2.50Source · checked Oct 10, 2026
- Foreign transaction fee (debit card)
- 3%Source · checked Oct 10, 2026
- Incoming domestic wire
- $16Source · checked Oct 10, 2026
- Outgoing domestic wire
- $30Source · checked Oct 10, 2026
- Outgoing international wire
- $45Source · checked Oct 10, 2026
- Early closure fee
- $26Source · checked Oct 10, 2026
- Cashier’s check
- $11Source · checked Oct 10, 2026
- Stop payment
- $30Source · checked Oct 10, 2026
- Card replacement
- $6Source · checked Oct 10, 2026
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money