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BMO Premier Money Market savings account: review 2023A money market account is a close cousin to a traditional savings account, but typically offers a higher interest rate and requires a higher balance. The best business money market accounts earn 2% APY or more and include options from First Internet Bank, NBKC, U.S. Bank, BMO and TD Bank. The BMO Money Market Fund's main objective is to achieve a high level of after-tax return, including dividend income and capital gains.