We also took into account minimum deposits, additional fees and ease of use. To rank the top five, we favored those accounts that had the benefits of a checking account as well as higher-than-average APYs. To determine which MMAs are the best overall, Select analyzed and compared dozens of accounts offered by online and brick-and-mortar banks, including large credit unions. Many of the best MMAs offer savers perks they would normally find in a checking account, such as check-writing privileges, debit cards and ATM access with out-of-network fee reimbursements. What makes MMAs stand out from other savings vehicles like brick-and-mortar savings accounts, high-yield accounts and CDs, however, is their checking account features.
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