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Money Market

Money market accounts are a middle ground between checking accounts and savings accounts. You can write checks like a checking account (though there are federal laws which limit how many checks and certain other types of transactions you’re allowed per month), and you get interest rates that are usually higher than savings accounts. The biggest difference is that with money market accounts since banks are giving you better rates, they’ll usually require a higher minimum balance.  If you don’t maintain that balance constantly, you could get charged fees and you might not earn interest.

Money market accounts aren’t as effective for small-short term savings goals because you have to maintain a high daily balance.  If you don’t keep a close eye on your balance, money market accounts can actually end up costing more than checking accounts.


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