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How can I deposit money into my Money Market Account?

There are several ways to make deposits to your earn.bank Money Market Account:

  • Complete an online transfer from an eligible earn.bank account you own
  • Complete an online transfer from your linked external account, which is an account you own at another U.S. financial institution that you have set up with us to use for external transfers
  • Deposit a check with earn.bank Mobile Check Deposit using your mobile device* 
  • Set up Direct Deposit

How can I withdraw money from my earn.bank Money Market Account?

Withdrawals from this account can be completed by transfers to linked external accounts or by a wire transfer request by calling 844-371-EARN (844-371-3276).

You may make unlimited withdrawals and transfers in person at our physical headquarters, by mail, or by courier.

Federal regulation limits you to six transactions per month from among the following:

  • Preauthorized transfers
  • Telephone or electronic transfers, including instructions sent by facsimile or data transmission
  • Online Banking

Are there any fees applicable to my account?

Please refer to our Disclosure of Products and Fees for any applicable fees.

Where can I find your most up-to-date rates?

For more information about current rates, please contact our customer service department

What is your routing number?

The routing number for earn.bank is 322286803.

Are earn.bank accounts FDIC insured?

Yes, earn.bank is a division of Silvergate Bank, an FDIC insured state chartered financial institution.  Deposits are insured by the FDIC up to the maximum allowed by law, with earn.bank and Silvergate Bank treated as the same entity for the purposes of calculating FDIC insurance limits on deposits.  Visit fdic.gov/deposit/covered/ for more information about FDIC insurance coverage.

How do I enroll in Online Banking and Mobile Banking?

To register in our Online Banking services, follow the prompts on the enrollment screen here.  You will need to provide your account information and accept the terms of use to enroll.  Your earn.bank Online Banking user ID and password are the same for earn.bankMobile Banking.

Is there a fee to use Online and Mobile Banking?

We do not charge a fee for these services, however your standard mobile carrier’s message and data rates may apply.

How can I close my account?

You may request to close your account through one of the following methods:

By Phone
844-371-EARN (844-371-3276)

By Mail
Send a letter of instruction with an original signature to:

earn.bank
P.O. Box 22881
San Diego, CA 92192

*Wireless carrier data rates may apply.  Available for smartphones and iPad tablet devices (iPhone®, iPad®, Android®) Message and Data rates may apply.  iPhone® is a registered trademark of Apple Inc. All rights reserved. Android™ is a trademark of Google Inc.  Use of this trademark is subject to Google Permissions.

Money Market Account

Keep your money close — and growing. Enjoy enhanced liquidity with one of the best rates online.

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