Byline Online Money Market Account

$318 a year on $10,000 at today’s 3.18% APY. $25 a month. $5,000 to open.

Checked Nov 8, 2026Updated Nov 1, 2026

A year on $10,000

APY on $10,000

Monthly fee

To open

In dollars

What it earns in a year

Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.

Against the market

#6of 174 money market accounts, by a year’s value on $10,000

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Monthly fee: $25 a monthopen.bylinebank.com, checked Nov 8, 2026
Ways to avoid the monthly fee: $5,000 minimum daily balance to avoid $25 monthly service feeopen.bylinebank.com, checked Nov 8, 2026
Minimum to open: $5,000open.bylinebank.com, checked Nov 8, 2026
Overdraft fee: $36bylinebank.com, checked Nov 8, 2026
Returned item (NSF) fee: $36bylinebank.com, checked Nov 8, 2026
Most overdraft fees in a day: 5bylinebank.com, checked Nov 8, 2026
ATM network: Byline ATMs and AllPoint Network ATMs are free; other ATMs have the first 3 transactions per statement cycle free, then $3.00bylinebank.com, checked Nov 8, 2026
Out-of-network ATM fee: $3bylinebank.com, checked Nov 8, 2026
Foreign transaction fee (debit card): 3%bylinebank.com, checked Nov 8, 2026
Incoming domestic wire: $15bylinebank.com, checked Nov 8, 2026
Outgoing domestic wire: $30bylinebank.com, checked Nov 8, 2026
Incoming international wire: $15bylinebank.com, checked Nov 8, 2026
Outgoing international wire: $50bylinebank.com, checked Nov 8, 2026
Inactivity fee: $5bylinebank.com, checked Nov 8, 2026
Early closure fee: $25bylinebank.com, checked Nov 8, 2026
Cashier’s check: $10bylinebank.com, checked Nov 8, 2026
Stop payment: $35bylinebank.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

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