Yes. When you link a checking account to Max, Max will ask you how much money you prefer to keep in your checking account. Max takes this Target Balance into account when proposing optimizations, such that at the completion of each optimization, your checking account balance should equal your Target Balance. 


Should your checking account balance exceed your Target Balance at the time of an optimization, Max will propose to sweep excess cash into your online savings accounts, where it can earn more; if your checking balance is lower than your Target Balance, Max will propose you move your funds from the lowest-yielding of your online savings accounts back into your checking account.

You can adjust the Target Balance at any time by clicking on the gear icon to the upper right of your checking account balance on the Max Dashboard.

We recommend setting a Target Balance that exceeds your typical monthly cash needs or minimum balance requirement, since Max’s quarterly membership fee will be deducted from your checking account.