Available for residents nationwide, mph.bank Money Market Deposit Account is offering a sweet 3.81% APY rate + up to $1500 bonus. Continue reading below to learn everything you need to know about mph.bank.
Update 1/15/26: You can currently earn up to $1500 bonus through 2/1/26!
- Start earning more with Raisin — including up to a $1,500 cash bonus. Open an account using code HEADSTART by February 1 and make a qualifying deposit. Valid for new customers only.
- Select a savings offer and sign up: Choose and fund at least one high-yield savings account or CD on the Raisin platform to get started. Be sure to enter bonus code HEADSTART during sign-up to be eligible for a cash bonus.
- Deposit funds: The more you save, the more you can earn. Make a qualifying deposit(s) within 14 days of opening your account to set your bonus tier.
- Deposit $10,000 – $24,499, earns a $70 cash bonus
- Deposit $25,000 – $49,999 earns a $175 cash bonus
- Deposit $50,000 – $99,999 earns a $350 cash bonus
- Deposit $100,000 – $199,999 earns a $750 cash bonus
- Deposit $200,000 or more earns a $1,500 cash bonus
- Maintain your deposit(s): Maintain your deposit(s) for 90 days from your first deposit date to earn your bonus.
Terms:
- New customers only. Earn a cash bonus when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive $70 for depositing between $10,000 and $24,499, $175 for depositing between $25,000 and $49,999, $350 for depositing between $50,000 and $99,999, and $750 for depositing between $100,000 and $199,999, and $1,500 for depositing $200,000 or more. To qualify for the bonus, your first deposit must be initiated between January 15, 2026, and February 1, 2026, by 11:59 PM ET, and the promo HEADSTART must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days will be eligible for this bonus. Bonus cash will be credited directly to your Cash Account within 30 of meeting all qualifying terms. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.
About mph.bank Money Market Review
mph.bank is an Internet only bank and does not have branch locations. They specialize in providing value to its customers directly. mph.bank savings products can offer highly competitive interest rates. mph.bank was founded by Liberty Savings Bank, which has a history of providing people with valuable products and services.
With such great Money Market rates you can earn big! It provides members with an opportunity to take advantage of Money Market Deposit products.
I’ll review mph.bank Money Market below.
| Balance Requirement | APY Rate |
| $0.01+ | 3.81% APY |
mph.bank Money Market Deposit Account Rate
Please note that interest is compounded daily, then the interest will be credited monthly.
- Account Type: Money Market Deposit Account
- Availability: Nationwide
- Interest Rate: 3.81% APY
- Minimum Balance: None
- Maximum Balance: None
- Credit Inquiry: Soft Pull
- Opening Deposit: $1 minimum
- Monthly Fees: None
- Early Termination Fee: None
(FDIC Insured)
An ATM card will be issued upon request. While the opening deposit must be made through an ACH transfer, additional deposits can also be made using the ATM card. Withdrawals can be made using the ATM card or through ACH transfer.
mph.bank ACH Capabilities and Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | 3 days | $9,999,999 | $9,999,999 | |
| Pull | 3 days | $9,999,999 | $9,999,999 |
How to Earn mph.bank Rate
- Click here to open an Money Market Deposit account from mph.bank with an opening deposit of $1.
- Maintain any balance amount and earn the 3.81% APY rate.
Why You Should Sign Up For This Account
- Savings products from our network of financial institutions offer flexible terms and some of the most competitive interest rates
- One account to hold all your deposit products. Simplified statements. Easy access to manage your funds – all through a streamlined digital platform.
- Enjoy 24/7 online access to your account and funds.
Bottom Line
Check out this offer from mph.bank and open an Money Market Deposit Account to earn the high rate today!
For more from mph.bank, see our review on their CD account to earn competitive rates!
Interested in Bank Bonuses? See our favorite banks including HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.
For more bank offers, see the complete list of Best Bank Rates!
Check back often to see the latest info on mph.bank Money Market Deposit Account.
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