money-market deposit account

Highest Money Market Account Rates: Compare Accounts Now

money-market deposit account

When you’re thinking about expanding your financial toolbox, you might want to think about money market accounts. Money market accounts tend to contain the best of both worlds, checking- and savings-account-wise.

Money market accounts have a fixed interest rate that is usually higher than a savings account. The FDIC insures these accounts as well, providing extra stability. A money market account holder has the ability to withdraw using a limited check-writing capability.

There are a lot of reasons that money market accounts can even offer the benefits they do in the first place. When deciding whether such an account is right for you, consider your own financial situation and goals. If growth is your goal, this could be for you.

Money market accounts are important tools that more people should know about to be successful in reaching their financial aims.

What is a Money Market Account?

Money market accounts are not complex, but there are a lot to them. Banks issue these types of accounts. You receive access to these money market deposit accounts (MMDAs) via the bank. The MMDAs are insured, as mentioned, and they are part of a well-rounded portfolio.

Money market accounts can offer more of a percentage yield than another financial tools because of their breadth. Money market accounts can invest in CDs (Certificates of Deposit), commercial paper, and government securities.

Commercial paper finances accounts payable, the satisfaction of short-term liabilities, and inventories. Commercial paper is for corporations and other businesses. It functions in the short-term as a debt instrumentality.

Government securities, another vehicle in which MMDAs invest, include treasury bills, savings bonds, treasury notes, and more. They are low risk and the government issues them.

The whole idea of a money market is that it operates between banks and other financial institutions to deliver loans. The loans are short-term. MMDAs seek to use your money to work in this industry. And the results are generally pretty profitable.

Rates of Money Market Accounts

But, as with pretty much every account, there will be variations in terms. The APY, which stands for annual percentage yield, is generally (though not always) in the two to three percent range. For example, as of now, Sallie Mae is at 2.20% APY.

That means that, at the end of the annual term, your yield with be 2.20% of your deposit. If you deposited $100 into a money market account, you will get $2.20. That might not sound a lot, but thinking in larger terms, it has the potential to be.

Rates vary the financial institution.

Fees and Limitations on Money Market Accounts

There are also fees and limits on MMDAs. While MMDAs give you more liquidity than bonds, they are not as liquid as checking accounts. There is a minimum deposit required to create a money market account. That can range from $1 to even $1,000.

You also can incur a monthly fee if you do not make a deposit. In the defense of institutions requiring a $1,000 deposit, they usually do not charge monthly fees if you leave your account alone.

There are also restrictions on the amount of withdrawals a holder can make over a certain time period.

Finding a Good Financial Institution

When looking for a good financial institution that offers money market accounts, you should compare rates. Compare rates and limitations, as well as terms, to decide whether it is right for you. Also, look at the minimum deposit rate.

If the deposit requirement is high but the terms are, otherwise, favorable, you may want to save up before opening a money market account.

As always, look at credit unions’ and financial analyst sites’ reviews to make sure there is no predatory behavior at the bank.

Advantages of Money Market Accounts

Money market accounts offer security and more liquidity. They have a larger range of financial depth than other accounts. They operate in the money market, so MMDA investments can work with all those financial tools. The percentage yield is higher than a savings account.

Hopefully, money market accounts have some more clarity now. These financial accounts provide a lot of benefits, and they accrue a higher annual yield and are secured and insured by the FDIC.

Note that there are some fees and minimum requirements you may need to observe, depending on the financial institution. Money market accounts have better rates (usually) because there is a lower cost due to no office buildings, but that doesn’t eschew fees completely.

The process isn’t too difficult. It is definitely something to think about if your financial goals involve growth (which they should).


12 Best Money Market Accounts of 2020

money-market deposit account

A money market account is a type of savings account that typically requires a higher minimum deposit and daily balance, yet it offers higher interest rates than most standard savings accounts.

Ready to get started saving? Check out our top picks for this year’s top money market accounts.

Top 12 Money Market Accounts

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If you don’t have a large nest egg but still want to take advantage of high money market rates, consider CIT Bank.

The minimum opening balance is just $100 and the APY is 0.85%. With no opening fee or monthly service fee, you’ll only pay fees for wire transfers, overdrafts, excessive transactions, and stop payments.

Interest compounds daily so you can maximize your already-high yield. When you’re ready to make a transaction, simply use People Pay online or through the mobile app. other money market accounts, you’re allowed to make six withdrawals or transfers from your CIT Bank account for each statement cycle.

With minimal fees and an extremely competitive yield, CIT Bank’s money market accounts are ideal for savers of all kinds, especially those starting off with smaller amounts of funds.

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BBVA offers a competitive introductory APY for their money market account, with no minimum balance required.

You just need $25 to open your account. For the first 12 months, you’ll earn a 0.35% APY on the funds in your account. Once the introductory period ends, you’ll receive a standard rate on your account.

When you open a money market account with BBVA, you’ll have to pay a $15 monthly fee, unless you meet one of two exemptions.

The first is if you maintain a daily minimum balance of at least $10,000 each quarter. The other option is to set up a minimum $25 monthly transfer into account. The funds must come from your BBVA checking account.

You can also link it to your checking account to serve as overdraft protection. With most savings accounts, you can make up to six withdrawals each month.

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Did you know Sallie Mae doesn’t just service student loans? It has a whole area of banking features. One of these is a money market account with a 0.90% APY.

There’s no minimum deposit required so you can either start saving from scratch or transfer over existing funds when you open your account. Plus, you get to write checks directly from your account. Add to that no monthly fees and you have a strong contender for your savings goals.

To make a deposit, simply choose one of four convenient options: depositing a check electronically through your mobile phone, setting up a direct deposit, transferring funds electronically, or mailing in a check.

You can easily transfer funds from your money market account to your linked bank account and the process only takes 2-3 business days to post to your other bank.

If you overdraw your account due to insufficient funds, Sallie Mae charges a $19 fee, or whatever funds are remaining in your account so that your balance doesn’t go below zero.

This is quite a generous policy compared to many other financial institutions. For quick transfers and relatively low overdraft penalties, Sallie Mae is worth considering for your money market needs.

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Earning 0.90% APY, Axos Bank is another example of a money market account with no minimum monthly balance.

There’s not even an initial deposit required to open the account, so you get access to the benefits without having to save a lot ahead of time.

Axos Bank’s money market account allows you to earn more interest than it’s high-yield savings account, and it also offers more flexibility in accessing your cash. For example, you get limited free check writing abilities and a free Visa debit card.

These two features let you use your savings as a checking account while still earning interest. Of course, if you’re ly to overspend on your savings when it’s unnecessary, you may not want such easy access to your funds.

They offer automatic bill pay directly from your account, as well as mobile banking and mobile deposit services.

That makes saving even easier because you can deposit checks into your account straight from your smartphone. Axos is a great choice if you to have quick, easy access to your funds while still earning interest on what you have.

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AbleBanking’s money market account offers a 0.80% APY with a below standard $250 minimum deposit to open your account.

This is a really accessible threshold for a money market account, so it’s a great way to get your foot in the door without needing an extremely high opening balance.

However, you can only link your account to one external U.S. bank, so you must be comfortable with transferring money from only one location.

On the plus side, transfer times are quick, with same-day transfers occurring before 5:00 p.m. on your AbleBanking money market accounts. Plus, it’s just a 2-3 day wait when transferring to and from an external bank. Compare that to a 5-10 day wait with other banks, and it’s not really that long.

On top of that, they also make it easy for charitable giving. In fact, every time you open a new account, AbleBanking donates $25 to the charity of your choice. It must be a 501c(3) organization, but other than that, you can pick whatever non-profit you’d .

Also, if you refer a friend to open an account with AbleBanking, you get an additional $25 to donate on top of your friend’s donation as a new customer.

You also can donate to non-profits directly from your money market account without incurring any hidden fees. AbleBanking is a great choice if you’re looking for a strong money market account with a good dash of altruism.

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U Direct is a division of Axos bank, and it offers an online money market and savings accounts for consumers. And many online banks, U is able to offer much higher rates than what traditional brick-and-mortar banks can offer.

For instance, the U Premium Money Market boasts an APY of 0.40%. Customers have limited check-writing privileges, and the account comes with a complimentary debit card.

It’s free for customers to transfer money between accounts. And U Direct’s mobile app makes it easy to manage your money and deposit checks.

However, you’ll need to have a minimum balance of $5,000 to open the account. And you’ll only earn the 1.90% APY if you maintain an account balance of $25,000 or higher. If your account balance is less than $25,000, you’ll receive a 0.50 APY.

And if you have other accounts through Axos Bank, you’ll need to check to make sure you don’t exceed FDIC guidelines.

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Discover Bank is mostly known for offering credit cards, but it also provides a host of online banking products, including a money market account. One of the best things about opening a money market account through Discover is that there are no account fees.

If you have more than $100,000 to save, then you can earn a 0.70% APY. For balances that are under $100,000, you can still receive a 0.65% APY. And with Discover, you’ll have access to over 60,000 ATMs across the country.

Discover also offers a mobile app that makes it easy to track your funds even when you’re on the go. The app lets you deposit checks, temporarily freeze your debit card if it’s lost or stolen, and keep track of your account balance.

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TIAA Bank (formerly EverBank) offers a high APY of 0.75% to new customers in the first year, but there is a maximum balance of $250,000 to receive that rate.

After the 12-month introductory period is over, your APY depends on your account balance.

Another interesting feature by TIAA Bank is its pledge to keep its APY in the top 5% of money market rates offered by its main competitive accounts.

To open a money market account with TIAA Bank, you must have an initial deposit of $1,500, and you only qualify for the 0.70% introductory APY if those funds are transferred from a non-TIAA Bank account. Still, there’s no monthly fee for this high interest rate, so if you have the money available, it could be a wise move.

You also get a pretty wide range of ATM freedom with TIAA Bank. You can use your Visa debit card at any TIAA Bank ATM throughout the country for free. Any non-TIAA Bank ATM fee you incur is reimbursed in full when you keep your balance above $5,000.

If you’re frequently on the go and want easy access to your cash, it’s a benefit worth remembering while making your decision.

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Betterment is best-known as a robo-advisor, but they also offer a high-yield savings account. There’s no minimum balance required to open the account, and you can earn a rate of 0.40% APY.

When you bank with Betterment, there are no monthly fees, and any ATM fees you incur will be reimbursed. You can transfer money between your accounts as much as you need to. And your account is eligible for up to $1 million in FDIC insurance.

And best of all, Betterment is planning to release a checking account and debit card very soon. So this could be the perfect complement to your Betterment savings.

However, you won’t have access to any branch locations, which some people may consider a downside. And you won’t be able to write checks from your account.

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Capital One 360 money market accounts earn 0.50%. There’s no minimum deposit required, but you must have some type of balance to consider the account officially ‘opened’ (even if it’s just a penny).

Currently, Capital One doesn’t offer debit cards or personal checks for the money market account, but you can take advantage of mobile check deposits through your smartphone. Deposits can also be made via electronic transfer, over the phone, by mail, or through approved wire transfers.

Additionally, you can access your account online or through the mobile app. As for withdrawals, you can request them either online or over the phone.

There are no monthly or annual fees charged. However, you should note that there is no overdraft protection offered and you must agree not to withdraw more than your current balance.

As long as you consistently keep track of your balance and don’t mind having a few restrictions in accessing your funds, then the Capital One 360 money market account could be a good option to consider.

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Ally offers a low entry money market account that gives you quick and easy access to your money. Un the bank’s traditional savings account, you can access your money with both a debit card and personal checks.

And if you maintain a minimum daily balance of $25,000 or more, you can qualify for a higher savings rate of 0.50% APY. This option is tailored to those just getting started saving and who need easy access to the funds in their money market accounts.

Ally doesn’t charge any monthly maintenance fees and has some nice ATM benefits. Any Allpoint ATM in the country is available for use free of charge, and even if you use another ATM, Ally will reimburse your fees up to $10 each cycle.

Some common fees include a $25 charge if you overdraw from your account (but that is limited to one per day) and a $10 excessive transaction fee if you take out funds over the federal monthly maximum of six times.

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You’ll have to come in with a strong deposit to take advantage of Santander Bank’s best money market rates.

While the opening deposit is just $25, you’ll need a minimum balance of at least $100,000 to qualify for a high interest rate of 0.32% APY. If your balance is less than $10,0000, you’ll earn on a tiered basis:

  • $1 to $9,999.99: 0.10% APY
  • $10,000 to $49,999.99: 0.22% APY
  • $50,000 to $99,999.99: 0.30% APY

You’ll also need that $10k balance to avoid a $10 monthly fee assessed on your account. The other way to avoid that monthly fee and not worry about your minimum balance is to open a checking account at the bank.

So if you are in need of a new bank altogether for both checking and savings, or you need a high yield account for your larger savings fund, Santander Bank is certainly a great place to start looking.

What is a money market account?

A money market account is a savvy way to save, especially if you’ve already accumulated a fair amount of funds to put away.

You also get to retain the convenience and flexibility of a regular savings account by making withdrawals as you need them without the wait time of other savings accounts. You might even be able to write a few checks from your account, depending on the bank.

This makes your funds much more accessible compared to an account a CD with a predetermined term. There are never any penalties so you can get your money when you need it while still earning above-average yields.

Money market accounts certainly have more restrictions than your typical savings account but because they generally come with better interest rates, it can be a great way to save money.

As with any account, it’s essential to make sure you find the best money market account for your needs that banks and credit unions have to offer.

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Best Money Market Account Rates for November 2020

money-market deposit account

The best money market accounts (MMAs) can be a great low-risk investment for your emergency fund or extra cash. They offer better interest rates than personal savings accounts, but are more liquid than certificates of deposit (CDs). You can find the best money market account rates available using our tool below.

#1: BBVA Money Market Account Rate

There’s a $15 monthly service fee, but it’s waived if you maintain a minimum balance of $10,000 or transfer at least $25 a month from your BBVA checking account.

Though other withdrawals are limited to six per month (standard for money market accounts), BBVA allows unlimited ATM withdrawals. The account also offers mobile check deposit and check-writing privileges.

#2: Sallie Mae Money Market Account Rate

Though they’re better known for student loans, Sallie Mae has an online bank offering high-yield savings options, including a money market account. Sallie Mae money market interest rate is 0.80% APY. Better yet, there are no minimum deposits or monthly fees with Sallie Mae, which also offers check writing and mobile check deposit.

#3: TIAA Bank Yield Pledge Money Market Account Rate

It also offers a new-customer promotional APY of 1.01% for a year. Other perks include no fees on positive balances, check writing, and mobile check deposit.

On the downside, you need $5,000 to open an account. And though the promotional APY is among the highest money market rates around and the yield pledge is unique, TIAA Bank’s ongoing balance-based APY of 0.65% to 0.95% isn’t as impressive as the interest rates offered by some of its online-bank competitors.

#4: Capital One

All Capital One money market accounts are FDIC-insured up to allowable limits. Your APY will vary depending on your balance: in order to keep the best rate (2.

00% in August 2019), you’ll need to maintain an account balance of $10,000 or more. In addition to robust online and mobile app platforms, you can also visit a Capital One Cafe to open or manage your money market account.

Whichever option you choose, opening a new MMA takes only five minutes.

#5: Discover Bank, Member FDIC

In many ways, Discover’s money market account operates more a checking account that just happens to have a high yield. You get access to 60,000 ATMs across the country in addition to check writing abilities and a debit card.

While you’re still subject to monthly transaction limits, this gives you much more flexibility in how you access your funds compared to many other banks.

Plus, Discover recently removed all fees from its deposit accounts, including insufficient fund and stop payment order fees.

What Is a Money Market Account?

A money market account (MMA) is a low-risk savings vehicle that banks and credit unions offer. Banks MMAs because, un personal savings accounts, they can invest that money in other low-risk places including certificates of deposit (CDs) and bonds. The only thing they can do with the cash in your savings account is loan it to others.

Also, un many personal savings accounts, you may need more cash to open an MMA, particularly at brick-and-mortar banks. Common account minimums are $1,000, $2,500, or even $10,000. Depending on your account, you may be able to write a limited number of checks.

Federal regulations will limit you to no more than six electronic, check, or telephone withdrawals from your MMA per month.

In exchange for your larger balance and restricted withdrawals, you’ll receive a better interest rate than you would get with a personal savings account.

Overall, an MMA can be a good choice if you want low-risk savings with a slightly higher interest rate as long as you can meet the minimum balance and will need only moderate access to your cash.

If you can sock away your cash for a long period, be sure to compare your return from an MMA with what you’d earn from a CD. A CD may have a slightly higher interest rate, but you can’t withdraw cash early without a hefty penalty.

In practice, money market accounts and personal savings accounts can be quite similar when it comes to online, high-yield banks that may offer similar interest rates for each product.

You’ll see more of a difference at most local banks, where MMA rates will be substantially higher — this is where the choice between the two becomes more compelling. However, you may run into higher minimum deposits, too.

Ultimately, both are excellent places to keep your emergency funds or short-term savings.

Money market accounts vs. money market funds

Be careful not to confuse money market accounts with money market mutual funds (MMFs). You can find an MMA at just about any bank, but a money market fund is a more serious investment product offered by brokerages and the . MMAs are insured against losses by the Federal Deposit Insurance Corporation (FDIC); MMFs are not.

(If you open an MMA at a credit union, your money is insured by the National Credit Union Administration.) Your bank guarantees a certain rate for your money market account, but the interest a money market fund earns will fluctuate along with the market.

Bottom line? MMAs make sense for savings you need to keep in a liquid, low-risk account; MMFs do not.

Though seasoned investors might not blink an eye before putting their money into an money market fund, here’s another cautionary tale to illustrate how MMFs are different than MMAs.

In 2008, during the subprime mortgage crisis, there was a run on MMF deposits after one such fund “broke the buck,” returning only 97 cents for each dollar invested. The panic stemmed from the fact that MMFs try to keep their share prices at one dollar with no fluctuation.

Traditionally, your principal is all but guaranteed, and the only question is how much interest you’ll earn. Later studies have shown that dozens more money market fund could have broken the buck if not for regulators’ quick intervention.

Though reputable MMFs are still considered very low risk, choosing an MMA that is backed by the FDIC can ease a lot of your worries.

  • Read more: Savings Accounts vs. CDs vs. Money Market Mutual Funds

How to Pick the Best Money Market Accounts

Most savers choose a money market account instead of a savings account because they want a higher interest rate. Looking for banks with the highest money market rates will mostly limit your search to online banks.

However, if you prioritize a firm handshake, face-to-face relationships, and more reliable service, don’t overlook local banks in your search for money market accounts. There are plenty that fared well in J.D. Power’s 2018 Retail Banking Study. Just remember that you’re probably going to get a much lower interest rate than you would online.

The factors I considered in my search for the top money market accounts were:

  • No or low minimum deposit: While some MMAs are reach for average customers because of their high minimum deposits, many online banks have made MMAs more accessible by easing this common requirement.
  • High APY: Online banks tend to offer the highest yields.
  • No or low maintenance fees: Some banks charge a monthly account maintenance fee regardless of your balance. Others waive it if you maintain a certain balance, and the best money market accounts don’t charge one at all.
  • Other fees are reasonable: Note whether a bank is comparable to its competitors when it comes to fees on overdrafts, wire transfers, and the .
  • Miscellaneous other perks: These include everyday things that make banking easier, such as check-writing privileges, unlimited ATM withdrawals, remote check deposit, online bill pay, and 24/7 account access.


Money Market Account (Definition, Examples) | How it Works?

money-market deposit account

Money Market Account is a deposit account which pays the interest depending on the current interest rates and gives a secure place for keeping the fund and take advantage of the features interest on deposits, writing checks and faster access to funds.


  • Minimum Balance Requirement: There will need to maintain a specified amount as an average balance over the period of time.
  • Higher Interest Rate: Interest rates provided in such an account will be higher than the normal provided under a savings account or such an equivalent financial instrument.
  • Insured Accounts: Generally, It balances will be secured by the Federal Deposit Insurance Company (FDIC) and the National Credit Union Administration (NCUA).
  • High Bank Charges: There are high charges for non-maintenance of accounts or doing transactions more than the specified limit.
  • Limited Check Writing: One can do a very limited number of check writing transactions as compared to the Saving account.

Example of Money Market Account

In the market, various kinds of products in financial services are available. It is one of them. Mr. ABC wanted to invest the money for a shorter duration, but that proposal should be secured one that can fetch him a higher return.

So he approached Bank PQR to obtain the understanding of the account. So the bank explained in detail that this account would provide a better return with better security. Also, the bank explained about features and perks available with the account.

Mr.ABC placed in an account to invest them in it. Funds with the short term requirement, the bank will invest in the securities and gilt. The duration of such securities will be extremely shorter with a far better return than the normal money market. On maturity, such an account would receive the balance from the investment along with a better amount as a return. Also,

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  • Better Interest: It gives a better rate of interest compared to savings.
  • Better Liquidity: In deposits, your funds will be blocked for the specified period of time; however, in this account, one can withdraw the requirement.
  • Highly Safe: Money market balances are insured by national institutions, and all the balances are in safe hand.
  • Daily Compounding: The best part of the money market account is daily compounding, and hence one can earn accumulating daily return, which will give better results compared to other account types.


  • Minimum Balance: the financial institution’s minimum balance requirement, the account holder will have to park minimum funds in the accounts.
  • Limited Check Transaction: The biggest drawback in such an account is a limited number of transactions; as a result, a user may face a sometimes liquidity crisis.
  • Less Regulated: The money market is less regulated.

    So, institutions, their requirement, will keep charges, minimum balance requirements, etc., which will affect the financial transactions of the user.

  • Higher Charges: It requires a minimum balance requirement or a limited number of transactions.

    If one is exceeding the prescribed limit, then higher charges will be levied as compared to the normal savings account.

Uses of Money Market Account

  • Emergency Usage / Usage of Last Resort: When an investor does not require funds in routine transactions and want to withdraw in an extreme situation, such accounts are the best place to invest.
  • Short Term Investment Horizon: For investors, who want a liquid investment with a higher return, this can give them good benefits.

Difference Between Money Market Account Vs. Money Market Fund

Generally, one can consider it and Money Market fund as a synonym, but in reality, it is not that. Both are completely different products operating in a different environment and invested with different intent.

BasisMoney Market AccountMoney Market Fund
IndustryIt operates in the Banking Industry.Money Market Fund operates in Mutual Fund/AMC industry.
SecurityIt’s Balances are fully secured.There is no security for the balances in the money market funds.
ReturnIt has a static rate of interest as a return.Money Market Funds return differs the market situation. So, there is no fixed rate of return.
Number of TransactionsIt has a minimum of 6 transactions allowed.Money Market Funds allows unlimited transactions at user discretion.
Timing RestrictionsIt allows transactions only during banking hours.The money market fund allows transactions throughout the day without any limits.

Difference Between Money Market Account and Savings Account

For a layman, both the accounts are the same. However, the nature and procedure of working, there exist a thin line of difference between them.

Let us understand the difference between both the accounts:

BasisMoney Market AccountSaving Account
Interest RateIt provides a preferential rate as compared to a savings account.A savings account provides a very low-interest-rate as compared to a Money Market Account.
Number of TransactionGenerally, only 6 transactions are allowed under it.Saving Account provides unlimited transactions for banking.
BalanceRequires minimum balance required to be maintained on an average basis over a specified time periodSuch a requirement is not there in Savings Bank Account.
Number of ChecksAround 6 check writing transactions are allowed in it.In a Savings account, there are no restrictions of check writing transactions.
Withdrawal LimitationsThere is no flexibility in withdrawal in the money market account.In the Savings account, flexibility is there in cash withdrawal.
InsuranceThey are fully secured by national institutions.There is no security for the balance in a savings bank account.


Money Market Account is a savings account with privileges this account is insured and comes with higher interest rates; however, it is also limited with respect to check-writing capabilities and higher bank charges. In the financial market, in order to attract the customers, banks and NBFCs keep on coming with new products providing attractive features of the money market and advantages of such an account to the customers.

It is a completely different set of accounts as compared to a savings account or such other money market products the certificate of deposits etc. However, before investing anywhere, the user must analyze the returns past trends and should also take professional opinion about the investment option.

This has been a guide to Money Market Account. Here we discuss Money Market definition, features, uses, advantages, and disadvantages along with examples. You can learn more about financing from the following articles –


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