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Virtual bank eMoneyMarket is now 3.25% and you can transfer money to any bank for free.

Earn $20 for letting me refer you to open eMoneyMarket (min open $100).
Give it a try for at least 90 days without penalty.

Please send email to [email protected]
First and Last Name
email address



eMoneyMarket 3.25% details from Virtual website:
- FDIC insured
- Open with as little as $100.00
- No monthly fees
- Free online transfers to and from your local bank's personal checking account
- Free online statements
- Easy savings plans available!
- Rates that consistently lead the nation
- Electronic deposits and withdrawals (No checks or ATM card)

1. Simply apply online (please have your personal information ready).
2. You will need to provide your bank’s name, ABA/Routing and personal checking account number(s) so we can fund your account electronically.
3. VirtualBank will send two small deposits to your personal checking account which you will need to verify in order to validate account ownership.
4. To verify the amounts of the two deposits you will need to review your transaction history at the bank where your checking account resides.
5. To let us know that you verified the two deposits, you will need to confirm the amounts by going to Review Application on the VirtualBank homepage and entering the amounts of the two deposits.

Account Fees: The following fees apply to this account: Chargeback - return deposit fee: $15.00; Close-out in first 90 days fee: $50.00; Direct deposit/ACH fee: $0.00; Inactive account fee (more than 12 months inactive): $5.00 per statement cycle: Internet banking fee: $0.00; Levy/Garnishment: $50.00; NSF/Overdraft fee per item: $25.00; On-line statement fee: $0.00; Overnight mail delivery at your request: Market price based on delivery source; Postage-paid deposit envelopes fee: $0.00; Research fee: $20.00 per hour; eMoney Market account per item charge in excess of regulatory limitations: $5.00; Statement copy fee if retrieved by VirtualBank: $5.00; Stop payment fee: $25.00; Telephone Transfer fee: $0.00; VirtualBank by Phone 24-hour telephone access fee: $0.00;