E$$ENTIAL Money Market Account (MMA) - Ireland Bank

E$$ENTIAL Money Market Account (MMA)


Ireland Bank’s E$$ENTIAL Money Market Account is tough to beat. If you need access to your funds but want the added benefit of earning interest look no further than our E$$ENTIAL Money Market Account.

Account Benefits

  • Online Banking & Bill Pay
  • Mobile Banking1
  • Personalized checks available2

Account Features

  • Minimum opening deposit – $2,500
  • Interest compounded and paid monthly3
  • Unlimited deposits
  • Limitations on frequency of transfers and/or withdrawals4
  • Monthly service charge – $18
  • Monthly service charge reduced $15 if a minimum average daily balance of $2,500 is maintained for the statement cycle5
  • Receive a credit back of $3 for every statement cycle the account is enrolled in E-Statements
  • An additional service charge of $15 will be charge for each withdrawal over six (6) per monthly statement cycle (excessive withdrawal)
  • Lowest possible service charge for this account is $0


Pricing and terms quoted effective February 15, 2015.

  1. Message and data rates may apply. Please contact your mobile carrier for details.
  2. Personalized check prices may vary.
  3. You must maintain a minimum daily balance of $2,500 in the account each day to earn interest for that day. Interest is calculated by the daily balance computation method which applies a daily periodic rate to the balance in the account each day. An accrual of less than $0.01 per statement cycle will not be paid.
  4. Federal Regulation D allows an unlimited number of withdrawals from your account in person, by ATM, or by mail or messenger. However, this regulation limits the number of transfers you may make from a money market account. No more than six (6) transfers can be made during each calendar month by check, draft, debit card, pre-authorized transfer, automatic transfer (including overdraft coverage to your checking account), or telephone transfer (including data transmission by computer or other electronic device). If the above limits are exceeded three (3) times in a twelve (12) month period, the account may be reclassified or subject to closure by the financial institution.
  5. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

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