High Yield Cash Account
Why juggle checking and savings when one account can do it all? The Battle Bank High Yield Cash Account provides you the access and money movement capabilities you expect with a traditional checking account, with some of the highest yields in the industry.
High Yield Cash Account Benefits
Tired of waiting on custodians to approve every move? With a Checkbook IRA, you gain direct access to your retirement funds through an IRA-owned LLC. Write checks, initiate wire transfers, and seize investment opportunities in real-time—no delays, no gatekeepers.
No promotional rates or the good rates only for high balances and no hoops to jump through. You get the bells and whistles of a regular checking account and an extra added benefit of some of the best yields in the industry.
We don't care for fees either. If you choose the standard High Yield Cash Account, we ask that you maintain an average daily balance of at least $5,000 or we charge a $5 monthly fee. However, if you choose to open a Global Markets High Yield Cash Account which gives you access to buy and sell metals and currencies, then we waive the $5 monthly fee no matter what average daily monthly balance.
Whether you’re at home or on the go, our mobile app makes banking simple. And if you need help, our U.S.-based Client Solutions Specialists are just a call away—ready to assist you Monday through Friday, 8:00 am to 6:00 pm Central time.
*ATM fee reimbursements of up to $30 per month are available to clients who maintain a minimum average daily balance of $5,000.
How to Open An Account
Select the option below that best fits your needs, click Open Now and complete our secure online application.
Global Markets
High Yield Cash Account
The High Yield Cash Account with Global Markets access delivers the typical features of a checking account but adds high yields for every dollar in your account.
On top of that, it serves as the launchpad to funding your precious metals and foreign currency transactions as well as access to all Global Markets Products.
- Use as the funding account for precious metals and foreign currency transactions
- ACH transfers to/from external accounts
- Free online bill pay
- Debit card with $30/month of ATM fee reimbursement if charged (Coming Soon)
- 1st order of checks complimentary
- $5 monthly fee waived, no minimum balance required
High Yield Cash Account (Standard)
The High Yield Cash Account delivers the typical access you’ve come to expect from a checking account but provides a yield on your funds that is one of the best in the industry.
*Please note: This account selection DOES NOT include access to Global Markets Products.
- Earn one of the top yields in the industry
- ACH transfers to/from external accounts
- Free online bill pay
- Debit card with $30/month of ATM fee reimbursement if charged (Coming Soon)
- 1st order of checks complimentary
- $5 monthly fee if the average monthly balance of the accounts is below $5,000
- Use as the funding account for precious metals and foreign currency transactions
- ACH transfers to/from external accounts
- Free online bill pay
- Debit card with $30/month of ATM fee reimbursement if charged (Coming Soon)
- 1st order of checks complimentary
- $5 monthly fee waived, no mimimum balance required
Account Set Up
How Our High Yield Cash Account is Set Up
Create an LLC & become manager of it
Create a Traditional or Roth Checkbook IRA*
Create an LLC Checking Account
You invest directly (checks, wire transfers)
*Disclosure text
What You Won't Be Charged For
No Debit Card Fee
No ATM Fees
(receive up to $30 in monthly reimbursements when you keep an average daily balance of $5,000 or higher)
No fee for Paper Checks
(at least the first set)
No Overdraft Fees
No Monthly Account Fees
(with a $5,000 average daily balance OR with Global Markets access)
No Insufficient Funds Fees
No Incoming Wire Fee
(why would anyone do that?) No Standard or Expedited ACH Transfers
Compare Rates;
And see what you could earn.
| Savings Account | Checking Account | |
|---|---|---|
 |
3.35% |
3.35% |
 |
0.01% |
0.01% |
 |
0.01% |
0.01% |
 |
0.01% |
0.01% |
Estimated savings based on a 12-month return.
*Source: www.mybanktracker.com
Rates and information as of 02/12/2026
Compare Rates;
And see what you could earn.
3.35% APY*
Battle Bank
High Yield Cash Account
0.01% APY*
Chase
Savings
Account
0.01% APY*
Bank of America
Savings
Account
0.01% APY*
Wells Fargo Bank
Savings
Account
Estimated savings based on a 12-month return.
*Source: www.mybanktracker.com
Rates and information as of 02/12/2026
Need Support?
855.922.8853 (BATTLE)
Available Monday to Friday between 8:00 a.m. and 6:00 p.m. central time.
For your security, please do not send sensitive information—including account numbers, usernames, passwords, or Social Security numbers—to the support email, as it is not a secure channel.
Stay Current with Battle Bank
HIGH YIELD CASH ACCOUNT BY BATTLE BANK
Why settle for a basic checking account that doesn’t pay you interest? Or a big bank savings or money market account with paltry yields? Our High Yield Cash Account gives you money moving features like a checking account—debit card, bill pay, mobile deposits—while paying you some of the highest yields in the industry on every dollar.
Frequently Asked Questions
What is the difference between the High Yield Cash Account and a regular checking account?
Nothing at all actually. The High Yield Cash Account has all of the traditional functionality of a checking account, such as simple transfers to and from other banks, bill pay, a debit card with ATM access, mobile check deposit, and more. Essentially, it's a checking account with the high yields you've come to expect from a high yield savings or money market account.
The biggest difference is that we don't try to confuse you with multiple types of accounts with different fees, yields and stipulations.
Is there a minimum deposit to open an account?
There is no minimum to open the account, but you need to maintain an average minimum balance of $5,000 in order to avoid a monthly fee.
Is my account insured by the FDIC?
All Battle Bank High Yield Cash Accounts receive industry-standard FDIC insurance of up to $250,000 per account holder (joint accounts are insured up to $500,000). For more information on FDIC insurance coverage, please visit fdic.gov.
What is required to open an account?
Opening an account is quick and easy. All we need are a few pieces of information such as name, home address, and Social Security number. In some cases, we may need additional documentation like a copy of your driver’s license and/or a current photo ID to verify your identity.
Am I charged an ATM Fee?
Battle Bank will never charge you a fee for using an ATM. However, if you are charged an ATM fee by the ATM itself, rest assured Battle Bank will reimburse any ATM fees up to $30 at the end of each statement cycle.
How is interest calculated?
We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
What if I need cash? What ATM can I use?
You can rest assured that you always have access to cash through any ATM. If the ATM provider charges you a fee for using their ATM, we will refund any ATM fees up to $30 per month at the end of each statement cycle.
Can I deposit cash?
No. We don't accept cash deposits. If you are someone that has cash on hand and needs to put it in the bank, we suggest keeping a checking account with a local bank and depositing the cash at their branch. Then, you can go to our online banking portal, transfer those funds to your High Yield Cash Account and enjoy one of the highest yields on all of your account balances.
When will I receive my new debit card or checks?
If you requested a debit card and/or your first order of checks, they would usually arrive in the mail within 10 business days after your account has been opened. If you need additional sets of checks, we recommend ordering through a reputable online check ordering service.
How can I access the money in my High Yield Cash Account?
You can access your account, make payments, or move money 24/7 from your home or on the go through our mobile app.
Other ways to access your funds is the same way you have historically:
- Transfer funds electronically to and from Battle Bank to any other financial institution
- Use a debit card for purchases or get cashback where you shop using your PIN
- Get cash from any ATM (if the ATM charges you a fee, we will reimburse up to $30 a month at the end of each statement cycle)
- Submit a wire transfer request online
- Make payments using online bill pay
- Checks can be ordered through the online banking portal (first order of checks is on us, but does anyone use a checkbook anymore?)
- Request an official check
