Premium Money Market Accounts | Sunstate Bank
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Premium Money Market Account

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Maximize Returns Without Losing Access

Sunstate Bank’s Premium Money Market Account is built for savvy savers who want higher earnings and flexible access to their funds - all without locking money into a CD.

With tiered interest rates, your balance works harder the more you save.

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Key Benefits

Earn Premium, Tiered Interest Rates

Enjoy some of our most competitive interest rates - with higher returns for higher balances.

Check-Writing Privileges

Write checks or access your funds (up to 6 times per month) without disrupting your savings strategy.

FDIC Insured

Your money is safe - insured up to $250,000 by the Federal Deposit Insurance Corporation.

Free Online & Mobile Banking

Easily transfer funds, deposit checks, and manage your account 24/7.

Free Debit Card

Use your card worldwide with access to 15,000+ Chase ATMs, Presto! (Publix), and NYCE networks - with no ATM fees.


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Is This the Right Account for Me?

This account is ideal if you:

  • Maintain balances over $2,500
  • Want better interest than regular savings, but need some liquidity
  • Are building an emergency fund, saving for a major purchase, or holding funds between investments
  • Want to earn interest without committing to a long-term CD

 Why Sunstate Bank?

  • Over 25 years serving South Florida
  • Voted Miami-Dade’s Favorite Bank – 2023 & 2024
  • 5-star rated by BauerFinancial since 2016
  • Personalized, multilingual support in English, Spanish, and Portuguese
  • Backed by an investment from J.P. Morgan Chase, supporting local communities

Account Snapshot

Feature Details
Minimum Opening Deposit $2,500
To Earn Interest $2,500 daily balance or $5,000 per statement cycle1
Interest Structure Tiered – higher balances earn higher rates
Withdrawals 6 free per month (regulation limit); $10 fee per extra item
Check Writing Available (limited by federal regulation)
Online & Mobile Banking Free – includes mobile check deposit
Debit Card Free, accepted globally
FDIC Insurance Up to $250,000

Ready to Boost Your Savings?

Open an account online or visit one of our local branches in Coral Gables, West Miami, or The Falls. We’ll help you make the most of your money - no pressure, no jargon, just smart banking.

*Interest is compounded and credited monthly. For full account disclosures, please call or stop into one of our branches. Rate tier information available here. Rates and terms may vary and are subject to change. Fees may reduce earnings. Additional fees may apply.