HealthcareBank is offering residents nationwide a 3.40% APY + up to $1500 bonus when you open a High-yield money market account powered by Raisin.
Update 1/15/26: The rate has decreased to 3.40% APY from 3.70%. You can currently earn up to $1500 bonus through 2/1/26!
- Start earning more with Raisin — including up to a $1,500 cash bonus. Open an account using code HEADSTART by February 1 and make a qualifying deposit. Valid for new customers only.
- Select a savings offer and sign up: Choose and fund at least one high-yield savings account or CD on the Raisin platform to get started. Be sure to enter bonus code HEADSTART during sign-up to be eligible for a cash bonus.
- Deposit funds: The more you save, the more you can earn. Make a qualifying deposit(s) within 14 days of opening your account to set your bonus tier.
- Deposit $10,000 – $24,499, earns a $70 cash bonus
- Deposit $25,000 – $49,999 earns a $175 cash bonus
- Deposit $50,000 – $99,999 earns a $350 cash bonus
- Deposit $100,000 – $199,999 earns a $750 cash bonus
- Deposit $200,000 or more earns a $1,500 cash bonus
- Maintain your deposit(s): Maintain your deposit(s) for 90 days from your first deposit date to earn your bonus.
Terms:
- New customers only. Earn a cash bonus when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive $70 for depositing between $10,000 and $24,499, $175 for depositing between $25,000 and $49,999, $350 for depositing between $50,000 and $99,999, and $750 for depositing between $100,000 and $199,999, and $1,500 for depositing $200,000 or more. To qualify for the bonus, your first deposit must be initiated between January 15, 2026, and February 1, 2026, by 11:59 PM ET, and the promo HEADSTART must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days will be eligible for this bonus. Bonus cash will be credited directly to your Cash Account within 30 of meeting all qualifying terms. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.
HealthcareBank Money Market Account Review
HealthcareBank, a division of Bell Bank, Member FDIC, was founded in 2005 and has been at the forefront of health savings accounts (HSAs) becoming a top 10 HSA Custodian Bank in the United States. Founded in 1966, Bell Bank has grown into one of the nations largest privately held banks. Through its Pay It Forward program, the Bank gives its team members funds to donate to causes that are near to them. This unique initiative has provided millions of dollars of donations to individuals, families and organizations in need, impacting thousands of lives.
I’ll review the HealthcareBank Money Market Account below.
HealthcareBank Money Market Rate
To easily earn HealthcareBank’s competitive rate, start by opening a High-yield Money Market Account.
- Eligible account: High-yield Money Market Account
- Credit inquiry: Soft Pull
- Where it’s available: Nationwide
- Opening Deposit: $1
- Monthly fee: None
- Early Termination Fee: Not listed
(FDIC Insured)
How to Earn Rate
- Open a new account with a minimum opening deposit of $1.
- Fill out your personal information – Provide your name, address, phone, email and social security number or Tax ID.
- Fund the account/transfer funds – Transfer funds electronically from an internal account here or an external account at another bank.
- Start earning interest from Day 1 of your first deposit with no limit on how much you can earn.
| Balance Requirement | APY Rate |
| $0.01+ | 3.40% APY |
HealthcareBank Money Market Features
- A division of Bell Bank, Member FDIC
- No fees from Raisin. $1 minimum deposit.
- One of the top 10 HSA custodians in the U.S.
- New money market deposit account customers earn boosted APY for 60 days.
 |
 |
 |
Conclusion
If you’re looking to open an interest bearing account, HealthcareBank offers a competitive rate.
Let us know about your experience with this bank and comment below.
In addition to the rate, check out our list of best rates Savings, Money Market, and CD accounts.
If you are interested in expanding your financial future, definitely use our bank bonuses page to find other offers.
Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.
