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Experience the world of Premium Banking Services with Instantpay Online Bank.

  • Use your excess cash to grow your business savings.

    Our business money market accounts are a great way to help your business save, whether you're building your balance toward a planned purchase or creating a buffer for unexpected expenses.

Whether you need to save for a planned purchase or build a buffer for unexpected expenses, this basic business money market account makes your money work harder for you.



With a money market account there is no reason not to be saving for your business:


  • Earn interest -Universal Merchant Bank Small Business Money Market Plus offers competitive relationship interest rates when bundled with an activeUniversal Merchant Bank small business checking account.
  • Full access to your funds - You're not locked in to a fixed term or waiting periods for available funds.
  • Get protection from overdrafts - Add Savings Overdraft Protection to automatically transfer funds from your Instantpay Online Bank small business checking account and avoid overdrafts and returned check fees.
  • May boost your credit ratings - Having a savings is just one of the factors that go into a credit rating and helps demonstrate you have the means to pay back a loan.