Grow your practice by helping your clients earn dramatically higher yield on cash, FDIC-insured

Leading wealth management firms use Max

How can Max help you?

  • Attract new clients
  • Strengthen existing relationships
  • Bring held-away cash into view
  • Provide more holistic advice

HNW Household Asset Allocation

High net worth individuals are currently holding 23.7% of their portfolios in cash and equivalents. Until now, it hasn’t been worthwhile to focus on cash.

Source: Capgemini/RBC World Wealth Report 2015 (North America)

Hnw allocation

Help Clients Earn More

With Max, your clients can now earn up to 2.36% yield on cash, FDIC-insured. That’s 2.20% to 2.40% more than most investors are earning today in traditional bank or brokerage accounts.

The Max Average is the weighted average interest rate currently being earned by Max members in their linked savings accounts. The National Average Interest Rate is the average interest rate offered by Savings accounts in the U.S. Source:

Max Average National Average

The Max Advisor Dashboard helps bring your clients’ cash into view

See account balances across all your clients’ linked checking and savings accounts

  • View held-away checking and savings balances on one screen
  • See weighted average yield being earned
  • Provide more holistic advice
Advisor dashboard

Max in the Press

Max is a participant in Schwab OpenView MarketSquare™

Schwab openview marketsquare participant

Schwab OpenView MarketSquare™ is a service of Schwab Intelligent Technologies™ and provides consolidated ratings and reviews of technology solutions made by independent investment advisors. Unless otherwise noted, reviewed technology vendors are not affiliated with Schwab. Ratings and and review do not express or imply any opinion or endorsement by Schwab of any participating vendor or product.

Register for free access to the Max Advisor Dashboard

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Max also offers enterprise solutions for large wealth management firms. Contact us for more information.

How does Max work?

Max is not a bank, asset manager, or investment advisor. Max is a service that optimally allocates cash among your clients’ own bank accounts. Max operates independent of the banks and comes at no cost to advisors. Clients pay a nominal fee of 0.02% per quarter on optimized cash (minimum $12 per quarter).

How can I learn more and see a demo?

Schedule a call with our Business Development team
See us at Insider’s Forum

Sept. 11-13, Nashville, TN

Download a one page overview of Max to share with your clients

Max is…


Max monitors interest rates daily. Once a month, it instructs the transfer of funds among a member’s own bank accounts to help maximize interest income, even as rates change. Automatically.


Max helps investors keep their cash within the FDIC insurance limits. It is compatible with banks allowing for an aggregate of up to $2 million of incremental FDIC insurance coverage per individual and $8 million per couple.


Max is not a bank and never takes custody of funds. All funds transfers are handled by a member’s own banks. Max employs bank-level security systems and procedures, and has been analyzed and tested by the same leading software security firm that is utilized by most of the world’s largest banks. Learn more about Privacy and Security.


Max operates independently and is free of conflicts because it is not affiliated with any financial institutions. Its website contains no advertising, and member information is kept in strict confidence.


Can clients keep their existing bank accounts?

Yes. Max is not a bank and is not affiliated with any bank. Max simply helps clients earn more interest using their existing bank/brokerage accounts and one or more online savings accounts that they may choose to open. The Max Common Application makes it easy to open multiple online accounts by filling out a single electronic form.

Which bank accounts can be linked?

Max is currently compatible with checking accounts at some of the leading banks and brokerage firms in America — including Bank of America, JPMorgan/Chase, Citibank, Wells Fargo, Fidelity, Charles Schwab Bank, First Republic Bank, TD Bank, PNC Bank, Capital One, SunTrust, US Bank, and USAA — as well as savings accounts at leading FDIC-insured online banks including Barclays, Ally Bank, American Express, Marcus by Goldman Sachs, UFB Direct, Radius Bank, Sterling National Bank, and Comenity Direct.

Are brokerage accounts supported?

Yes. Max currently supports brokerage accounts with check writing privileges at Schwab (via Charles Schwab Bank) and Fidelity (Fidelity CMA accounts). Over time, we plan to add support for more brokerage and custodial accounts.

Are business and trust accounts supported?

Several of the online banks support revocable trusts, either by titling the account in the name of the trust or naming the trust as a Payable On Death (POD) beneficiary. Refer to our guide to Support for Trust Accounts for additional detail. For complex trusts, business, and non-profit accounts, we have partnered with The American Deposit Management Co., which can help insure commercial accounts up to $50mm while providing a competitive yield. Max has negotiated a special rate of 2.08% for accounts up to $5 million in size. Rates are subject to change.

What happens after a client joins Max?

Clients specify how much cash they wish to keep in checking, and the remainder is automatically swept to their higher-yielding savings accounts. Max then works quietly in the background, keeping an eye out for the best rates and automatically reallocates cash among your clients’ own accounts as rates change. Members can view their balances at any time, track the status of each optimization, and can access their cash directly from their existing checking or brokerage account. Advisors can also gain visibility into client account balances via the Max Advisor Dashboard.

Have more questions?

Read our FAQ or contact us at to discuss custom solutions.