Money Market FAQs

Money Market Account

How much do I need to open this account?
The minimum opening deposit for a Money Market Account is $100.

What is the interest rate for this account?
Our Money Market Account has tiered interest rates, and you can earn up to 3.05% APY* when you maintain a $1,500 balance each month.

Our interest rates are variable and do change periodically; if you’d like to confirm rates before opening an account, call us toll-free at 855.999.BANK (2265).

What kinds of fees are associated with this account?
Find out on the Facts and Fees page for our Money Market Account.

What do I need to open this account online?
It’s good to have a few things handy so you can open your Money Market Account easily and quickly.

  • Your Social Security Number or Individual Tax Identification Number (ITIN)
  • A U.S. government-issued photo ID (like a driver’s license, passport, state, or military ID)
  • A U.S. checking or savings account to fund your new account
  • An active email address

How do I add money to my account?
You can add money a few ways:

  • Transfer money between your different AAA accounts
  • Transfer money between your AAA account and your non-AAA banking accounts
  • Use our mobile app to deposit checks
  • Set up direct deposit for your paychecks
  • Add money via wire transfer

What’s the routing number?
Our routing number is 072471968.

ATM Cards

Does this account include an ATM card?
Yes. You’ll get a AAA ATM card when you open a Money Market Account.

How can I use my AAA ATM card?
You can use the AAA ATM card a few different ways:

  • Make cash withdrawals from your checking or savings account from ATMs.
  • Monitor your balance and transfer funds between your checking and savings accounts at most ATMs.

Is there a daily ATM withdrawal limit for the AAA ATM card?
Yes. The daily limit for ATM withdrawals is $800.


How can I order checks?
Make your first check order by calling us at 855.999.2265. Any check orders thereafter can be made easily online through

How secure is my online account?
By banking through AAA, your account is safe—it’s our top priority. We use state-of-the-art technology to ensure the safety of your account information 24/7.

Is your bank FDIC insured?
Yes. Our bank is FDIC insured under our legal name, Auto Club Trust, FSB.

Do I have to be a AAA member to open an account?
Being a AAA member is not required to open an account with us. If you are not a AAA member but would like to become one, please call 800-AAA-6424.

*Represents highest tiered interest rate available for account. Rates are variable and subject to change without notice. View the current interest rate table for our Money Market Account.