Business Money Market Account
Experience banking built for healthcare with faster fund access, standout yields and seamless digital workflows tailored for providers.
FDIC-insured - Backed by the full faith and credit of the U.S. Government
Banking that keeps pace with healthcare
The healthcare industry continues to undergo significant transformations, with increased focus on efficiency, cost reduction and patient satisfaction. Financial management is critical for providers to successfully manage their practice and invest in these improvements.
Traditional business money market accounts are designed for general businesses. They’re not meant to serve organizations navigating complex payer systems and high-volume transactions.
The Business Money Market Account from Optum Bank® delivers banking built for healthcare.
High-yield money market accounts:
No fees, no frustration
Get paid faster
Get predictable cash flow with one-business-day settlement when you connect Optum Pay® to your Business Money Market Account.
Maximize returns
Market-leading introductory interest rate significantly outpaces national averages and top competitors (rate of 3% compared to average .62% interest rate).1
Keep more money
No monthly maintenance fees, unlike many business accounts, every dollar stays in the account.
Industry insights
Article
Digital payment processing doesn’t have to be a daunting task. Here's why it should be at the top of your priority list.
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Case study
Partner with Optum Financial to increase ACH payments.
Article
Discover 4 ways health plans can save money today — and in the future — by engaging with a digital claim payment partner.
Complementary solutions
Solution suite
Working Capital Solutions for Healthcare
Step into the future with innovative loan solutions created exclusively for healthcare providers and systems, powered by Optum Bank®.
1 Earn a 3% interest rate for the first 90 days after account opening, then 1.5% thereafter with no minimum balance requirement. Rates are variable and accurate as of March 15, 2026. As of January 2026, the national average of money market deposit accounts is 0.49 percent. Today’s Top Money Market Account Rates For January 13, 2026 – Forbes Advisor.
Optum Financial® is a registered trademark of Optum, Inc. in the U.S. and other jurisdictions. Payment solutions, including Settlement Advocate®, Optum Pay® and VPay®, are made possible by Optum Financial, Inc. and its subsidiaries (collectively "Optum") and their service providers. Banking services are provided by Optum Bank®, Member FDIC, and other financial institutions. Deposits held at Optum Bank, together with the Business Money Market Account and any others, are insured by the FDIC up $250,000 per depositor. Because we are continuously improving our products and services, Optum reserves the right to change specifications without prior notice. Patented technology protected by one or more patents. Additional patents pending.