Open Business Money Market account

Truist Business Money Market

Eligible clientsDisclosure 1 can open a new Truist Business Money Market Account and earn 3.25% annual percentage yield (APY).Disclosure 2
Open now to get started with Truist business money market account. See account fees & disclosures for the Truist business money market account.

Business Money Market account details

3.25% APYDisclosure 2

On new accountsDisclosure 1

$100

Minimum opening deposit
$10

Monthly maintenance feeDisclosure 3
 

(Waived when a $5,000 minimum daily ledger is maintained)

Grow your cash reserve.

Funding made easy

Get started with a $100 minimum opening deposit:

  • Transfer money from an existing Truist or non-Truist account.Disclosure 4
  • Use a debit card.
  • Deposit a check with your mobile device.Disclosure 5
  • Make a deposit at your local branch or ATM.

Withdrawals and transfers

Get up to six withdrawals or transfers from your Truist Business Money Market account per monthly cycle.Disclosure 6

Open now to get started with a new money market account.

See account fees & disclosures for the Truist business money market account.

Ready to open your Truist Business Money Market Account?

step 1
Tell us about you and your business.

Generally, you’ll need to provide information about yourself, your business, and any related documentation. See this checklist for information that may be needed.

step 2
Make your first deposit.

Truist Business Money Market account has a $100 minimum opening deposit.

thumbs up, step 3
Get started today.
Open now to get started with a new money market account.

Pair your savings account with Truist Dynamic Business Checking

  • Access additional perks and reward levels as your combined balance across all your Truist business accounts grows
  • $25 monthly maintenance fee (waived with $5,000 average relationship ledger balance).Disclosure 7
  • 500 total combined transactions per month at no charge.Disclosure 8
  • No charge for the first $25,000 in cash deposits per month.Disclosure 9
Learn more about Truist Dynamic Business Checking.

Mobile Banking

Fast. Simple. Secure.

Save time with our mobile banking app.Disclosure 10

Download the Truist mobile app.

Available on the App Store
Get it on Google Play

Make plans. Pay bills. Get paid.

Enroll in online banking.

Control access to your accounts with unique IDs and user permissions for anyone in your company.
Bill pay

Schedule payments, set reminders, and view your payment history.
Manage account alerts.Disclosure 11

Get notified about important account activities. From daily balances and overdrawn accounts to user ID changes, we’ve got you covered.
Zelle®Disclosure 12

Send and receive money in minutes. Customers enrolled in Zelle® can simply scan your QR code—no manual entry of phone numbers or email addresses.

Resources and other ways we can help

Business Lifecycle Planning

With practical advice, full scale capabilities, and caring partnership, we’re continually focused on the long-term success of your business.

Learn more about Business Lifecycle Planning.
Truist Business Checking accounts

Whether you’re just getting started or focusing on growth, we have your perfect fit. Explore the benefits of our business checking accounts.

Learn more about Truist small business checking accounts.
Truist Business credit cards

We offer several choices, including cash back and travel rewards options, so you can select the card that fits your business.Disclosure 13

Learn more about Truist small business credit cards.
Truist Business loans and lines of credit

We're here with lending options to start making that next big thing real.Disclosure 13

Learn more about Truist small business loans and lines of credit.

Contact us

We’re here to hear—and help.

Let’s chat about how we can help you take care of business.

Schedule an appointment.

Schedule an in-person or virtual appointment.
Schedule an appointment with a Truist banker to discuss your small business.
Call us.

Talk to a Small Business specialist at 833-866-5129.

Got questions about Truist Business Money Market?

We have answers.

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A business money market account is a type of savings account which allows businesses to earn interest on the money they deposit, while also maintaining easy access to their deposited cash when needed.

Yes, they are. Truist Bank is an FDIC member which means that your money is FDIC insured up to the amount allowed by law.

Yes. A minimum opening deposit of $100 is required to open a Truist Business Money Market account.

The monthly maintenance fee is waived for that month when you maintain a $5,000 minimum daily ledger throughout that month.

Generally, you’ll need to provide information about yourself, your business, and any related documentation. This can include:

  • Business information, including tax ID and NAICS information

  • Estimated annual revenue
  • State and date established
  • Personal and contact information, including your Social Security Number

  • 2 years of address history
  • Employment and income information


See this checklist for other forms of information that may be needed. A $100 minimum opening deposit is required.

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Disclosure 1 To qualify for the 3.25% APY offer, clients must open a new Truist Business Money Market account at a branch, by phone, or online. Clients who open an account at a Truist branch in Alabama, Indiana, Texas, Greater Jacksonville (as defined below), or Greater Louisville (as defined below) and clients with the business’s physical address located in Alabama, Indiana, Texas, Greater Jacksonville, or Greater Louisville are not eligible. Greater Jacksonville includes the Florida counties of Baker, Clay, Duval, Nassau and St. Johns. Greater Louisville includes the Kentucky counties of Bullitt, Henry, Jefferson, Oldham, Shelby and Spencer.

Clients whose Taxpayer Identification Number (TIN) is listed as the primary owner of an existing Truist money market account or an existing Truist Simple Business Savings account or clients who have closed a Truist money market account or Truist Simple Business Savings account within 30 days of the new Truist Business Money Market account opening are not eligible.

Disclosure 2 Rates may vary based on branch location and whether you open an account in a branch, by phone or online. Interest rates and APYs are accurate as of 5/19/26 and are subject to change without notice at any time, including after the account is opened. At the Bank’s discretion, the variable interest rate and APY may change to our standard interest rate and APY at any time.


Interest earned is based on the following ledger balance tiers: Tier 1 – $0.01 to $4,999.99; Tier 2 – $5,000 to $99,999.99; Tier 3 – $100,000 to $499,999.99; Tier 4 – $500,000 to $999,999.99; Tier 5 – $1,000,000 to $4,999,999.99; Tier 6 – $5,000,000 or greater. Tiers 1–6 are eligible for this 3.25% Annual Percentage Yield (APY) variable rate offer. Your new Money Market Account could initially earn a rate lower than 3.25% APY. However, within 10 calendar days of account opening, your eligible account will automatically upgrade to the 3.25% APY rate. The standard interest rate and APY are 0.01% for balances $0.01 and greater. Fees may reduce earnings.

Disclosure 3 A minimum opening deposit of $100 is required for a Truist Business Money Market account. The monthly maintenance fee is waived for the Truist Business Money Market account each month in which a $5,000 minimum daily ledger balance is maintained. Please see the Truist Business Deposit Account Fee Schedule for further details. To the extent required by law, Truist will report any interest paid to the Internal Revenue Service. For additional fee and/or product information, please consult the fee schedule. Interest is calculated and compounded daily on the collected balance in your account and credited to your account monthly. 

Disclosure 4 Fees may apply to transfers to other U.S. financial institutions. Setup is also required, and verification may take 1-3 business days. View the Truist Online and Mobile Banking for Business Service Agreement and the Truist Business Deposit Accounts Fee Schedule for more information. Your mobile carrier’s message and data rates may apply.

Disclosure 5 Mobile deposit is only available through the Truist mobile app. Deposit limits and other restrictions apply. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Disclosure 6 There is a $5 withdrawal fee per withdrawal over six (6), with a maximum of six (6) withdrawal fees per statement cycle. The withdrawal limit fee applies, regardless of the balance, to all withdrawals and transfers made from a Truist Simple Business Savings or Truist Business Money Market including those made at a branch, ATM, by mail or through any electronic means.

Disclosure 7 Monthly maintenance fee is waived with $5,000 average combined balance, over three months, in a Truist business checking, savings, money market account or CD.

Disclosure 8 No charge for the first 500 total combined transactions per monthly statement cycle. The term “Total Combined Transactions” refers to any combination of checks deposited and paid, debit and credit memos, deposit tickets, online bill payments and electronic debits and credits (including debit card transactions). The total includes the number of transactions in this product. There are fees for exceeding stated limits. See Truist’s Business Deposit Account Fee Schedule for additional details.

Disclosure 9 No charge for the first $25,000 of cash deposits per monthly statement cycle. The Monthly Coin and Currency Deposited Fee is $0.0031 per $1.00 for cash deposits greater than $25,000 per monthly statement cycle.

Disclosure 10 Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Disclosure 11 Delivery may be affected by your mobile carrier’s coverage area. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Disclosure 12 For your protection, Zelle® should only be used to send money to friends, family, and other people or businesses you trust. Payments made with Zelle® are like sending cash and may not be able to be recovered. Enrollment with Zelle® through Truist Online or Mobile banking is required. Both parties must have an eligible U.S. checking or savings account to use Zelle®. Transactions between enrolled users typically occur in minutes. There is no fee to send money with Zelle® through your enrolled Truist business bank account. However, Zelle® payments deposited into your business account will be charged a 1.0% fee by Truist. The maximum fee is capped at $15 per received transaction. See Truist's Business Deposit Accounts Fee Schedule for additional information. For more information, view the Truist Online and Mobile Banking for Business Service Agreement. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply.

Disclosure 13 Credit cards, loans, and lines of credit are subject to credit approval. Standard underwriting guidelines and credit policies apply.

Apple and the Apple logo are trademarks of Apple, Inc. App Store is a service mark of Apple, Inc.

Google Play is a trademark of Google LLC.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Disclosures

Truist Bank, Member FDIC. © 2026 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, Truist One, Truist Marquee, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

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Investment and Insurance Products:

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  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

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New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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