Keeping cash safe is important. Max makes it easy by helping spread your cash across multiple accounts, keeping your balances below the FDIC-insurance limits. Check your balances at any time, all on one screen.Are you earning the highest rates?
Your cash in the bank isn’t earning very much. Max helps sweep your excess cash to FDIC-insured online savings accounts that offer higher rates than traditional brick-and-mortar banks or money market funds.What happens when rates change? Is your cash fully insured?
The interest rate that looks appealing today might be less attractive in 3 months. Max monitors interest rates daily and as rates change helps your funds move to your higher-yielding accounts via automated monthly optimization.Can I keep my existing checking account? Are you earning the highest rates?
Max makes online banking as easy as “checking” and “savings.” Open a free Max Checking account or use your existing checking account and Max sweeps excess cash to online savings each month. If checking falls below your target balance, Max’s monthly optimization will bring money back to checking, automatically.Need money sooner? What happens when rates change?
You can use Max’s Intelligent Funds Transfer℠ to easily move cash between savings and checking with just one click or tap. If you’re moving funds to savings they’ll be added to your highest-yielding account(s). If you’re moving funds to checking, they’ll be pulled from your lowest-yielding savings account(s). Max is smart, just like you.Earn more with Max! Can I keep my existing checking account?
Online banks have lower operating costs, and they pass on these savings to depositors in the form of higher rates. Max intelligently optimizes your balances each month in search of the best prevailing rates. With Max, you can earn up to 0.85%. That’s 0.65% to 0.85% more than you might otherwise earn at a traditional “brick-and-mortar” bank and well above what most money market funds are now paying.
The Max Top Rate is the highest interest rate currently being earned by Max members in their linked savings accounts. The National Average is the simple average of rates paid by U.S. banks on savings accounts, as calculated by the FDIC. Source: FDIC Weekly National Rates
Our one-page setup guide will help you or your personal assistant through the process.Download Setup Guide
Send your banker, broker or wealth manager more information so they can see how Max can help you.Tell Your Financial Advisor
Yes! Max is not a bank and never takes custody of your funds. Max simply helps you earn more interest on the cash in your existing bank accounts and any additional accounts that you may choose to open.
You can link your existing checking, savings, and brokerage accounts at thousands of financial institutions to a new Max Checking account which opens in as little as 60 seconds, or you may link Max directly to your existing checking account at 18 of the largest banks and brokerage firms in the country. Max then helps you earn higher yield by sweeping excess funds to savings accounts at leading FDIC-insured online banks including Barclays, Ally Bank, American Express, UFB Direct, Radius Bank, Sterling National Bank, Quontic Bank, and Customers Bank. Many of the banks supported on the Max platform offer preferential rates, available exclusively through Max.
Link your existing brick-and-mortar checking/brokerage account or open a new Max Checking account in 60 seconds. Then add your choice of higher-yielding online savings accounts. It’s easy to open new accounts in just a minute or two using the Max Common Application. Tell Max how much to keep in checking and excess cash will automatically flow to savings, where you can earn more.
Download our Setup Guide for step-by-step instructions.
Max works quietly in the background, keeping an eye out for the best rates, and automatically moves your cash to your highest-yielding accounts each month so you can maximize your earnings, even as rates change. You can view your balances at any time, track the status of all transfers, and access your cash directly same-day since all funds remain in your own bank accounts.
We value your privacy and security and have gone to great lengths to protect your personal information and your accounts. Max encrypts all data, employs multi-factor authentication, and is tested regularly by experts in cybersecurity. Max never takes custody of your funds and Max does not sell your personal information to third parties. Learn more about our commitment to privacy and security.
Membership in Max costs just 0.02% per quarter, or $20 per $100,000 held in your savings accounts, subject to a minimum of $12 every 3 months. There are no other costs or fees. The preferential interest rates available exclusively through Max can far outweigh Max’s nominal membership fee. That’s why many people call Max a “no brainer!”
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