Max is proud to power McElhenny Sheffield Capital Management, LLC

Intelligent cash management
for intelligent investors

Earn up to 2.36% • Increase FDIC coverage • Keep your existing bank

Is Max right for me? Learn More

Is your cash fully insured?

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?
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Fdic coverage

Is your cash living up to its potential?

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?
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Monthly sweep

Want to keep things simple?

Max makes online banking as easy as “checking” and “savings.” Keep 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?
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You already have a “brick-and-mortar” checking account.

Max process 2

Add some online savings accounts.

Max process 3

Ensure your online savings accounts are connected to the same “brick-and-mortar” checking account. Link them to Max and we’ll take care of the rest.

Like to have more control?

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?
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Intelligent funds transfer

Earn More With Max

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 2.36%. That’s 2.20% to 2.40% more than you might otherwise earn at a traditional “brick-and-mortar” bank.

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

How Much Can I Earn?

Need a hand getting started?

Our one-page setup guide will help you or your personal assistant through the process.

Download Setup Guide

Have a Financial Advisor?

Send your banker, broker or wealth manager more information so they can see how Max can help you.

Tell Your Financial Advisor


Can I keep my existing bank accounts?

Yes. Max is not a bank and is not affiliated with any bank. Max simply helps you earn more interest via your existing bank account and additional accounts that you may choose to open.

Which bank accounts can I link?

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.

What’s involved in signing up for Max?

To sign up for Max, link your brick-and-mortar checking/brokerage account and online savings accounts to one another, and then to Max. If you don’t already have online savings accounts, it’s easy to open new accounts using the Max Common Application. Once your accounts are linked, Max does the rest.

Download our Setup Guide for step-by-step instructions.

What happens after I join Max?

Max works quietly in the background, keeping an eye out for the best rates and automatically reallocating your cash among your own accounts as rates change. You can view your balances at any time, track the status of each optimization, and access your cash directly – these are, after all, your own bank accounts.

How much does Max cost?

Max costs 0.02% per quarter, or $20 per $100,000 held in your savings accounts, subject to a minimum fee of $12 every 3 months. No other costs or fees.

Don’t see your question answered? Check out our FAQ or contact us.