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Earn Higher Interest.
Faster. Smarter. Simpler.

Earn up to 2.50% APY¹

Open a high-yield savings account connected directly to your existing bank with zero hassle.

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Grow Secure

Protect your savings with millions in FDIC-insured coverage²

Enjoy expanded insurance through the largest banking network of its kind.

Your funds are held with FDIC-insured² depository institutions, not with MONA or FinOpti. The MONA Payment Solutions Savings Account is powered by FinOpti Treasury, Inc. FinOpti is a financial technology company, not a bank. Banking services are provided by OMB Bank, member FDIC, and OMB Bank will place deposits through IntraFi’s ICS service, which is the largest bank network of its kind, and subject to the ICS Deposit Placement Agreement. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply.

Join the growing number earning higher deposit rates.

Connect

Effortless setup.
Seamless banking.

Open your account in minutes and link instantly to your existing bank. Connect quickly with thousands of banks.

Features

Powerful features that work for you

Full access and control of your savings with no catch.

Same-day access
Withdraw anytime.
Unlimited transfers
Move your money as often as you like.
No monthly fees.³
No account fees. Your interest stays yours.
Automated Sweeps
Ensures adequate primary account balance while maximizing returns.

Put your idle cash to work.Save more. Earn more.

Earn

2.50%APY¹ for average monthly balances of $100,000 or more
2.00%APY¹ for average monthly balances of $10,000 to $99,999

*$10,000 minimum balance. Indicative of current rates, shown as annual percentage yield (APY).

No monthly or account fees³
Unlimited free ACH transfers
Free same-day ACH
$25 per wire transferstandard cost from banking partner

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Contact

Talk to someone about your business.

Tell us what you’re working with and we’ll come back within one business day.

Prefer email? support@monasolutions.bankaccts.com

Disclaimer

The MONA Payment Solutions Savings Account is powered by FinOpti Treasury, Inc ("FinOpti"). FinOpti is a financial technology company, not a depository institution, bank, or credit union, and is not itself a FDIC insured company. FinOpti currently partners with OMB Bank, Member FDIC. By opening an account, you are opening an account with OMB Bank. With FinOpti your funds are held in a deposit account at OMB Bank.

Annual percentage yield (APY) is 2.00% if the monthly average balance at the relationship level is at least $10,000 and less than $100,000, or 2.50% if the monthly average balance at the relationship level is greater than or equal to $100,000, effective as of August 27, 2026 and may change at any time, before or after the account is opened, without rate limitation. Rates are determined by varying prevailing economic and business conditions, including the U.S. Federal Reserve interest paid on reserves.
FinOpti is not an FDIC-insured depository institution and FDIC insurance only applies to the failure of the bank where your account is maintained. By opening an account through FinOpti, Customers deposit their funds into either:
- A deposit account at OMB Bank, Member FDIC, and held by OMB Bank, with such funds (combined with any other of such Customers funds at OMB) FDIC Insured up to the current standard maximum deposit insurance amount of $250,000 ("SMDIA"); or a deposit account at OMB Bank, which sweeps those funds into deposit accounts across a network of FDIC-insured banks for access to millions of FDIC-insurance in aggregate across the accounts. Under this program, the Customer’s funds are placed into deposit accounts across a network of FDIC-insured banks for up to the current SMDIA of $250,000 per eligible depositor, per receiving bank, for each ownership capacity or category, including any other balances they may hold at that receiving bank directly or indirectly through other intermediaries, including broker-dealers. OMB Bank uses a third-party vendor and agent to help administer this deposit placement process. View the Institution List for a list of the banks and savings associations with which FinOpti and OMB Bank have a business relationship for the placement of deposits at receiving banks, and into which your deposits may be placed, subject to the Terms of Service and any opt-outs by OMB Bank or you. You should review the Institution list and opt-out of any particular institution to which you do not want us to allocate your funds. Certain conditions must be met to obtain such insurance and Terms and restrictions apply.
There are no monthly maintenance fees or account fees, and ACH transfers into and out of your account are unlimited and free. Outgoing wire transfers are $25 each. See Terms of Service for more info.

Your account with FinOpti and all services are subject to the Terms of Service, and there are no other applicable terms, representations or warranties, express or implied, except as expressly set forth in the Terms of Service. If you have any questions regarding your account, please contact support@monasolutions.bankaccts.com