With this account, not only can you take advantage of money market rates, you can have access to your money when you need it. Here’s how it works: $10,000 minimum opening deposit is required, 6 withdrawals per month are allowed, and there is only a balance requirement fee of $10.00 if the balance falls below $10,000. FREE MasterMoney™ Debit card, Online Banking, Bill Pay, Mobile Banking and Mobile Deposit. Monthly imaged statements are available as paperless statements (through online banking), email statements or paper statements.