First Bank is advertising a 4.00% APY money market account for balances of at least $10,000 with the 4% guaranteed for 5 months after the qualifying deposit. This doesn't seem to be listed at the bank's website. It was advertised in today's issue of the Florida newspaper, the Bradenton Herald. The ad is available online here. It was also advertised in an Illinois newspaper. This ad is available online here.
The Performance Money Market Account has no fees for balances over $1,000 ($10/month otherwise). It has the typical limited check writing for money market accounts (up to 3 per month). The rates for balances under $10K are low. The small print of the ad shows 0.75% for balances between $2.5K and $10K, and 0.25% for balances under $2.5K.
Branches are located in California, Florida, Illinois, Missouri and Texas. I've only seen ads for this 4% in Illinois and Florida, so I don't know if the branches in the other states will honor his special.
The bank has been FDIC insured since 1934 (FDIC Certificate # 12229).