Personal Banking
Lifetime Money Market Account
Your Money Market account should bridge the gap between growth and liquidity. TCB Lifetime Money Market is designed to help your larger balances achieve more, offering competitive interest rates typically superior to traditional savings, without sacrificing the flexibility you need. It’s the strategic choice for maximizing your returns while keeping your funds accessible.
Earns Interest
Earn interest at competitive market rates on your balance when you maintain a minimum daily balance of $2,500.
Tiered Interest Rates
Enjoy tiered interest rates that reward higher balances, the larger your balance, the better your rate.
Minimum Opening Deposit
Open your account quickly and easily in-branch with a minimum opening balance of just $2,500.
Earn interest on your account balance.
With a TCB Lifetime Money Market account, your money works as hard as you do. Earn interest on balances over $2,500, helping you grow your funds while enjoying the flexibility of a money market account. Whether you're saving for the future or planning your next big move, your money goes further. Stay in control of your finances with easy access to your funds, competitive rates, and the confidence of banking with a team that puts you first.
Easy ways to waive this account's monthly maintenance fee.
This account does have a monthly maintenance fee of $5, but you can avoid the fee by keeping a minimum daily balance of $2,500.
Do more with digital.
View your current balances
Quickly see an up-to-date snapshot of all your account balances in one convenient place. Stay informed about your finances at a glance.
Monitor your credit score
Stay on top of your credit score and report. Easily track changes and identify potential issues to maintain your financial health.
Send money instantly
Quickly send funds to friends and family using just their phone number. Transfers are instant and secure, making payments effortless.
Deposit checks from anywhere
Conveniently deposit checks using your phone, even multiple checks in a single session. Save time by banking from anywhere.
Take control of your bills
Easily manage and pay your bills in one place. Schedule payments, set up recurring transactions, and avoid late fees with a few simple clicks.
Card Security & Control
Protect your debit card. Lock and unlock it instantly, adjust temporary spending limits, and add travel alerts with just a few taps.
More Features.
More Possibilities.
Banking should work for you, not the other way around. With our enhanced account features you have what you need to do more.
Send Money Instantly
Send and receive money instantly with just a few taps using TCB SpinPay, connecting effortlessly with friends and family across the U.S.
Get Paid Early
Enjoy the benefit of getting paid up to two days early on qualifying ACH direct deposits, giving you quicker access to your money.
View External Accounts
TCB TotalView lets you link and see all your external accounts right from our app, providing a 360-degree view of your financial picture.
Credit Monitoring
Enjoy complimentary credit score monitoring and restoration services included, helping you stay on top of your credit.
Automatic Round-Up Savings
Optional TCB SwipeNSave automatically rounds up your debit card purchases, transferring the change directly into your savings.
Advanced Fraud Monitoring
Bank with peace of mind! Your account comes with advanced fraud monitoring, defending your money and personal information around the clock.
Custom Account Alerts
Stay in the know! Set up custom account alerts to monitor your activity and balances, so you're just a click away from what's happening with your money.
Client Service
Our exceptional client service team is here to help, ready to provide the personalized support you deserve.
Frequently Asked Questions
What is the Lifetime Money Market Account?
The TCB Lifetime Money Market is designed to help your larger balances earn more while keeping your funds accessible. It bridges the gap between checking and savings — offering competitive, tiered interest rates and limited fees for clients maintaining higher balances.
How does the tiered interest rate work?
Lifetime Money Market offers three variable rate tiers based on your balance: Tier 1: $2,500 – $49,999.99, Tier 2: $50,000 – $99,999.99, and tier 3: $100,000 and above Higher balances earn higher rates, allowing your savings to grow as your balance increases. The interest rate is variable, which means it can change at any time based on market conditions.
Are there monthly maintenance fees?
There is a $5 monthly fee, but it’s waived automatically when you maintain a balance of $2,500 or more.
What is the minimum opening deposit?
A minimum of $2,500 is required to open a Lifetime Money Market Account.
Are there transaction limits?
There are no federal transaction limits on money market accounts. However, this account is best suited for saving or keeping a cash reserve. If you make frequent withdrawals or payments, a TCB Lifetime Checking Account may be a better fit for your day-to-day spending.
How can I access my funds?
You can access your money through online and mobile banking, in-branch transactions, or by transferring funds to your TCB checking account — keeping your savings liquid without sacrificing earning potential.