Amplified Money Market Checking

A sophisticated way to maximize your money. 

This cutting-edge account allows for fluidity of funds and considerable earning potential.

Current Rates FAQs
Our Amplified Money Market Checking account is more than just a checking account

More than just a checking account. 

As your money grows, so will your return. Beginning with a minimum balance of $5,000, this variable rate, four-tiered program gives you the ability to earn a higher return, as your balance increases. 

Earn with the market, without the work. 

With the top two tiers tied to the 1-Month Treasury Bill (T-Bill) rate, you'll experience the excitement of the market without doing the legwork. Every week, the variable rate for balances, beginning at $250,000, will adjust in accordance to the 1-Month T-Bill rate PLUS up to an additional .35%. No need to play the market or look for the next best rate, you're already receiving it. 

Get more out of your checking account. 

In addition to earning a higher return, Amplified offers many of the same great perks of a GECU checking account, including: free debit card, free first box of checks, Purchase Rewards, and more. 

Easily connect accounts from other financial institutions and transfer funds in seconds through free use of Online Banking

Amp up your earning potential. 

Start earning today with: 

Tiered dividends. Earn more with an account that grows with your balance. Tiers include: $5,000.00 - $49,999.99; $50,000.00 - $249,999.99; $250,000.00 - $999,999.99; and $1,000,000.00+.

Near real-time rate adjustments. Balances of $250,000 or higher experience additional opportunities to earn based on the market, meaning you're always getting an industry-leading rate on your money.

Unlimited transfers and transactions. Maintain access to your money with checks and a debit card. Enjoy the flexibility of a checking account without the transfer limitations of a savings account.

24/7 account access. Easily manage your accounts through Online Banking or our mobile app. Connect accounts and transfer funds from any financial institution in a few clicks.

Current Rates

rates_amplified_money_market_checking table
Deposit AmountRateAPY
$5,000.00 - $49,999.99.20%.20%
$50,000 - $249,999.99.80%.80%
$250,000 - $999,999.99 (br) (Variable based on 1-Month Treasury Bill + .10% (margin))*1.67%**
$1,000,000+ (br) (Variable based on 1-Month Treasury Bill + .35% (margin))*1.92%**

*See full disclosure below.

Stay Connected to Your Money

Accessibility to funds is important. Use our Online Banking and mobile app solutions to bank on your own time, wherever you are. 

  • Earn cash-back on everyday purchases with your free debit card with Purchase Rewards
  • Deposit checks in a snap using mobile deposit
  • View all your accounts, stocks, and mutual funds from any financial institution with Money Management (free to use within Online Banking and our mobile app). 
  • Pay bills in one place online or from your phone in a few taps with Web BillPay
  • Receive your statements easily and securely with eStatements. 

Additional Features: 

Open your account today!

To open:

  • Visit your local branch or
  • Call us: 513.243.4328/800.542.7093


Amplified FAQs

How can I apply?
To apply for an Amplified Money Market Checking Account, stop by your local branch with a copy of your driver’s license and your initial deposit. We will guide you through the process step-by-step.
How can I fund my account?
When you open your account in a branch, you can opt to fund the account with a check from another financial institution and you can easily transfer funds through Online Banking once the account has been opened.
What’s the difference between Amplified Money Market Checking and a Money Market Account?
A Money Market Account is a savings account structured for larger deposit balances while providing a higher return; however, there are limits to the number of transactions or transfers made per month due to Regulation D. Amplified Money Market Checking Account provides the benefit of earning a higher return all with the perks of a checking account, including: unlimited transfers and transactions, a debit card, checks, online/mobile transfers, and more.

Also, our Amplified Money Market Checking account takes earning to the next level with a minimum to open of $5,000. You can enjoy a higher return based on your balance with tiered rates because of the opportunity to earn with the rate environment correlated to the T-Bill, plus a margin rate. Therefore, with weekly, automatic adjustments to the top two tiers, you will always receive a leading rate.

Is there a minimum balance?
The minimum balance to open an Amplified Money Market Checking account is $5,000. At the end of the month, if your balance is below $5,000, there will be a $20 Amplified Monthly Maintenance Fee; this fee is only based on end-of-month balance.

For example, if your balance falls below $5,000 on January 25th and you make a deposit on January 29th and the balance is over $5,000, no fee is applied. If the balance is less than $5,000 on January 31st, a $20 fee will be applied on that day.

When are dividends earned?
Dividends are accrued daily based on the account balance and are applied to the account at the end of the month. If the balance falls below the minimum of $5,000, no dividends will accrue on the day(s) while the account is below the minimum. Dividends accrue for all days the account was at or above the minimum; any earned dividends will be applied at the end of the month.

For example, if your balance falls below the minimum on January 21st, no dividends will be accrued for that day. If you make a deposit on January 22nd and the balance increases to $5,000 or above, dividends will accrue on the 22nd based on the tiered balance. Earned dividends are applied at the end of the month.

What is the Treasury Bill (T-Bill) rate?
Rates on Treasury Bills are set by market action and reflect the stability and direction of the overall market. The actual referenced key rate for Amplified, seen in the top two tiers, is the Daily Treasury Yield Curve Rate; we use the 1-Month T-Bill.

The 1-Month T-Bill rate fluctuates daily; we will update this rate (within the top two tiers) every Tuesday, based on the preceding Friday’s rate. If the preceding Friday, Monday, or Tuesday are an observed holiday, the rates will be updated the following Wednesday. The current Amplified Money Market Checking rate can be found on our deposit rates page.

Where can I find the T-Bill rate?
For the current T-Bill rate, please visit the U.S. Department of Treasury’s website.
Who is this account for?
Amplified is structured to increase earning potential as balances grow. This account is perfect for anyone interested in receiving a higher return on deposits while still having the access and fluidity of a checking account. This account is designed to grow with you as you navigate through life.

With a lower entry point ($5,000 minimum) compared to our Premium FREE Checking and Money Market Plus, Amplified is designed so you earn more as your balance grows throughout life. Once reaching the top two tiers, you can confidently grow your savings as the rates automatically adjusts with the market. There’s no need to be on the lookout for the next best rate, you’re already receiving it!


*APY = Annual Percentage Yield. You must deposit $5,000 to open this account and maintain the minimum daily balance of $5,000 to obtain the annual percentage yield. If the account falls below $5,000 any day of the month, no dividends are accrued on that day of the month. At the end of each month, if your account balance is below $5,000, you will incur a $20 Amplified monthly maintenance fee. You will receive the accrued dividends if you close your account before dividends are posted. The minimum balance for the account is $5,000; you must maintain the corresponding minimum daily balance to obtain the disclosed annual percentage yield. Rates earned are based on balance. The tiers are as follows: Tier 1 daily balance of $5,000 to $49,999.99; Tier 2 daily balance of $50,000 to $249,999.99; Tier 3 daily balance of $250,000 to $999,999.99 (1-Month Treasury Bill + .10%); Tier 4 daily balance of $1,000,000 or more (1-Month Treasury Bill + .35%). Tiers 3 and 4 are subject to variable-rate pricing and will adjust weekly. Under no circumstance will Tier 3 and Tier 4 rates be less than the stated Tier 2 rate. We will update this rate weekly on Tuesday to reflect the previous Friday’s 1-Month Treasury Bill rate. If the preceding Friday, Monday, or Tuesday are an observed holiday, the rates will be updated the following Wednesday. The 1-Month Treasury Bill rate can be found from the U.S. Department of Treasury site under the “Daily Treasury Yield Curve Rate” drop down option. We use the daily balance method to calculate the dividend on your account. Dividends begin to accrue no later than the business day we receive the deposit to your account. Annual Percentage Yield will vary due to account activity and balance. Rate may change after the account is open. Fees may reduce earnings.

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