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Money Market Maximizer

Guaranteed 3.82% APY for 12 months!*

Transfer your low rate checking, savings, and money market deposits to a higher yielding Business Money Market Maximizer account . . . and then back again whenever you need it.

With Business Money Market Maximizer, you take maximum advantage of your balances without changing your commercial banking relationship. You get online value from a NJ Bank.

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Online Value. New Jersey Bank.

Earn more with our online rates that consistently beat traditional banks

Keep your dollars in the Garden State and help our local economy

Get support from an actual person when you need it

Backed by an FDIC-insured bank with more than 130 years of great savings and service

Open Your Account in One Easy Session

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Begin our secure (and fast) account opening process

Verify Your Account
Confirm the micro-deposits Amboy put in your external account

Fund the Account
Transfer your money from an existing account. That's it!

FAQs

Do I need to be a New Jersey resident to open an Money Market Maximizer account?

Yes. However, check out some of our other products that are available to those in other states.

What are the requirements to open an account online?

Opening an account online is easy and takes less than ten minutes. You need to be at least 18 years old and a citizen or Resident Alien of the United States (some accounts also require New Jersey residency). Please have your Social Security Number, a photo ID, and your external funding information handy.

What is Amboy Direct?

Amboy Direct is the online division of Amboy Bank, a New Jersey institution that has been around for more than 130 years. We’ve also been voted “Best Bank” for more than 20 consecutive years!

How can Amboy Direct offer higher rates than other banks?

We can pay more because Amboy Direct clients do not use branches. This helps reduce our costs, which means we can pay you higher rates and bring you added value.

How secure is Amboy Direct?

Our account opening process and Digital Banking platform employ state of the art security practices, so you can rest assured that your information is safe.

Is my money safe?

Amboy Direct relationships are FDIC-insured up to $250,000 per depositor.

Listen to the Experts

Terms & Disclosures *12 month Bonus Rate: 3.82% annual percentage yield (APY) on $5,000 - $250,000; under $5,000 yields no interest. Competitor information based on bank survey from 02/26/2025. Available for new Amboy Direct business accounts in NJ. Offer may be modified without notice. $100 to open; $250,000 maximum. Not available at Amboy branches. Offer code required.