A money market account (MMA) is a type of deposit account that typically offers higher interest rates than a standard savings account, while also providing limited check-writing and debit card access.

Unlike Money Market Funds (MMF), which are investment products, MMAs are FDIC-insured (or NCUA-insured for credit unions), making them a low-risk vehicle for cash. They may require a higher minimum balance than regular savings accounts, often $1,000–$10,000 or more. They're a good option for people who want to earn more on their cash while keeping it accessible — sitting between a savings account (flexible) and a CD (locked in) in terms of both rate and liquidity.