TBK Bank Money Market — Tiered APY with Check-Writing and Debit Card

The TBK Bank Money Market account combines higher tiered APY typically found on savings products with check-writing privileges and a debit card typically found on checking. Minimum opening deposit is $2,500. Balances earn progressively higher APY as they cross tier thresholds — base under $10,000, elevated at $10,000 to $49,999, premium at $50,000 to $249,999, and premier at $250,000 or more. Interest compounds daily and credits monthly.

Money Market supports up to six convenient transactions per statement cycle — checks, debit card purchases, pre-authorized transfers, and external online banking transfers. ATM and branch withdrawals are unlimited. Accounts are FDIC insured up to $250,000 per depositor per ownership category. Open online in 10 minutes or at any TBK Bank branch across Texas, Colorado, Iowa, Illinois, Kansas, and New Mexico. Customer service: +1-877-482-2265.

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TBK Bank Money Market account dashboard showing tiered APY, check-writing, and debit card access for balances of $2,500 or more

TBK Bank Money Market Summary — April 2026

$2,500 minimum opening deposit. $12 monthly fee waived at $2,500 average daily balance
Tiered APY: base, elevated ($10K+), premium ($50K+), premier ($250K+) balance tiers
Check-writing privileges included. Free money market check reorder (first set of 25)
Free debit card with contactless tap-to-pay and mobile wallet provisioning
6 convenient transactions per month (checks, debit, transfers, pre-authorized payments)
Unlimited ATM withdrawals and branch transactions. Free at TBK Bank and Allpoint ATMs
FDIC insured up to $250,000 per depositor. OCC regulated. NMLS registered. Equal Housing Lender

Tiered APY on Every Balance

Money Market pays base APY under $10,000, elevated APY at $10,000 to $49,999, premium APY at $50,000 to $249,999, and premier APY at $250,000 or more. Rate jumps apply automatically when your balance crosses a tier threshold — no manual action, no account upgrade, no fees. Interest compounds daily and credits on the final business day of the statement cycle.

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Check-Writing and Debit Card

Write checks directly from Money Market for rent, contractor payments, estimated taxes, or large planned purchases. First check order of 25 is free; subsequent orders priced at standard check stock rates. Free Visa debit card with contactless tap-to-pay and Apple Pay, Google Pay, and Samsung Pay provisioning for everyday spending that draws on higher-APY balances.

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FDIC-Insured Liquid Yield

Every dollar insured up to $250,000 per depositor per ownership category under the Federal Deposit Insurance Corporation. No market value fluctuation — unlike taxable money market mutual funds, Money Market deposit accounts carry zero principal risk. Full liquidity subject to the six convenient transactions rule. Unlimited ATM and branch access without counting against the monthly transaction limit.

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$2,500 Minimum Opening Deposit

4 APY Balance Tiers

6/mo Convenient Transactions

$250K FDIC Insurance per Depositor

TBK Bank Money Market tiered APY chart showing rate jumps at $10K, $50K, and $250K balance thresholds

Four Balance Tiers — Rate Jumps at Each Level

Balances below $10,000 earn the base Money Market APY. Crossing $10,000 activates the elevated tier. Reaching $50,000 shifts the entire balance to the premium tier. Balances of $250,000 or more pay the premier tier rate. Rate jumps apply automatically when daily balance crosses the threshold — no notification required, no form to complete, no branch visit. The daily balance method multiplies the daily periodic rate by the end-of-day balance, so partial-day balances receive partial-day interest.

Compare Money Market APY to high-yield savings (no check-writing, same liquidity) and certificates of deposit (higher fixed rates, locked term with early withdrawal penalty). Money Market suits balances you want to keep fully liquid but earn substantially more than a regular savings account delivers. Relationship pricing may unlock APY bonuses when Money Market pairs with TBK Premium Checking or CDs.

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Money market check and debit card for a $2,500+ balance account paying bills and transferring between TBK Bank accounts

Check-Writing, Debit Card, and Six-Transaction Rule

Money Market supports checks, debit card purchases, pre-authorized transfers (ACH debits initiated by third parties), and external online banking transfers — all counted against the six convenient transactions per statement cycle limit. ATM withdrawals, branch withdrawals, and in-person transfers at a teller do NOT count against the limit. Wire transfers initiated through online banking count as convenient transactions.

Exceeding six convenient transactions triggers a $10 excess transaction fee per item beyond the sixth. Chronic excess activity — more than three statement cycles with overages in a rolling 12-month window — may trigger reclassification to a TBK Bank checking account where transactions are unlimited but APY is structured differently. The Consumer Financial Protection Bureau supervises TBK Bank disclosure practices for these transaction limits.

Wire Transfer Cutoffs

Combined TBK Bank relationship showing checking, savings, money market, and CD balances with FDIC insurance coverage

Relationship Pricing and FDIC Coverage

TBK Bank Money Market qualifies toward combined relationship balance thresholds on linked checking accounts. A Premium Checking fee waiver at $10,000 combined balance counts Money Market deposits alongside checking, savings, and CDs. Relationship pricing also unlocks preferred rates on personal loans, a lower rate on certificates of deposit at renewal, and waived fees on wire transfers for Premium Checking customers.

FDIC insurance applies per depositor per ownership category — checking, savings, money market, and CDs held by the same owner in the same category share one $250,000 cap. Joint ownership, trust accounts, and retirement accounts extend coverage. Verify charter and coverage at the FDIC BankFind tool. For deposits exceeding $250,000 in any single ownership category, consider splitting across ownership types or additional insured banks.

Relationship Pricing

Feature	Money Market	High-Yield Savings	12-Month CD
Opening Deposit	$2,500	$100	$1,000
Monthly Fee	$12 (waivable at $2,500 balance)	$5 (waivable at $2,500 balance)	None
APY Structure	Tiered (4 tiers)	Tiered (3 tiers)	Fixed for term
Check-Writing	Yes	No	No
Debit Card	Yes	No	No
Convenient Transactions Limit	6 per month	Unlimited	N/A (term locked)
ATM and Branch Withdrawals	Unlimited	Unlimited	Early withdrawal penalty
Early Withdrawal Penalty	None	None	Yes (interest-based)
Term Commitment	None	None	12 months
Best Use	Liquid reserves with higher yield + occasional checks	Emergency fund, short-term savings	Locked savings for known future date
FDIC Insurance	$250K per depositor	$250K per depositor	$250K per depositor

All deposit accounts FDIC insured up to $250,000 per depositor per ownership category. Tax reporting on earned interest via IRS Form 1099-INT. Consumer banking supervision by the Consumer Financial Protection Bureau.

Use Cases for TBK Bank Money Market

Home remodeling funds waiting for contractor deposits, quarterly estimated tax payments for self-employed professionals, property management reserves where rent deposits accumulate between property expense payments, and short-term savings for planned large purchases within 3 to 12 months. Real estate investors use Money Market for escrow holdings and earnest money that earns yield while deals close. Retirees use Money Market as the first tier of a three-bucket strategy: Money Market for 12 months of expenses, CDs for 2- to 5-year expenses, brokerage investments for longer-term growth. The six convenient transactions limit rarely binds on these use cases because planned payments fall well below six per month.

When Savings or CDs Fit Better

If your balance stays under $2,500 consistently, TBK Bank Regular Savings avoids the $12 monthly fee without the check-writing feature. If you need more than six monthly transactions — frequent contractor payments, monthly bill pay, weekly transfers — use a checking account instead and keep money market balances reserved for planned spending. If you know you will not touch the funds for 6 months or longer, a TBK Bank CD typically pays higher APY than Money Market — the trade-off is an early withdrawal penalty if you break the term. The IRS treats interest from all three products identically for tax reporting on Form 1099-INT.

"I park quarterly estimated tax payments in TBK Bank Money Market for 90 days between IRS due dates. The premium tier APY at $75,000 balance earns real money compared to what I had in regular savings before."

Rachel Martinez — Self-Employed Architect, Dallas TX

"Money Market holds our home remodeling deposit for six months while the contractor mobilizes. I write four checks a year against it for progress payments and the tiered APY covers my wife's coffee habit for the year."

Kevin Walsh — Retired Engineer, Austin TX

"Real estate earnest money sits in TBK Bank Money Market between deals. I need check-writing for title company closing costs and liquidity in case a deal moves up on the calendar. The FDIC coverage matters for larger escrow amounts."

Priya Shah — Real Estate Investor, Houston TX

Open a TBK Bank Money Market Today

Combine higher tiered APY with check-writing and a debit card in one FDIC-insured account. The TBK Bank Money Market opens with $2,500, rewards balances crossing $10,000, $50,000, and $250,000 thresholds with progressively higher APY tiers, and supports up to six convenient transactions per statement cycle plus unlimited ATM and branch access. Use Money Market for planned large payments, quarterly estimated taxes, real estate escrow, or the liquid reserve layer of a multi-bucket retirement strategy. Pair Money Market with TBK Bank checking for relationship pricing that unlocks waived fees, surcharge rebates, and preferred rates on personal loans and CDs. Open online in 10 minutes or at any branch across Texas, Colorado, Iowa, Illinois, Kansas, and New Mexico. Call TBK Bank customer service at +1-877-482-2265 Monday through Saturday for Money Market APY disclosures specific to your state and relationship tier.

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What is a TBK Bank Money Market account?

A hybrid deposit product combining tiered APY (higher than regular savings) with check-writing and debit card access. $2,500 minimum opening deposit. Four tiers: base, $10K+, $50K+, $250K+. Daily compounding, monthly interest credit. FDIC insured up to $250,000 per depositor.

How is a money market different from a savings account or CD?

Money market adds check-writing and a debit card to savings-style APY — useful for planned large payments. CDs lock funds at higher fixed APY with early withdrawal penalty. Money market stays liquid subject to the 6 convenient transactions per month rule.

Why does TBK Bank limit money market to 6 transactions per month?

Internal policy preserves the product's savings-account character. Covered transactions: checks, debit purchases, pre-authorized transfers, online banking transfers to external accounts. NOT counted: ATM, branch, in-person teller withdrawals. $10 fee per item over 6.

What fees apply to a TBK Bank Money Market?

$12 monthly service fee waived at $2,500 average daily balance. $10 excess transaction fee beyond 6. Outbound domestic wires $25; international $45. Stop payment $30. Non-TBK ATM: host fee + $2.50. Full schedule in online banking account details.

Is TBK Bank Money Market FDIC insured?

Yes — up to $250,000 per depositor per ownership category. Checking, savings, money market, and CDs share one $250K cap per owner in the same category. Joint and trust accounts extend coverage. Verify at fdic.gov BankFind.