Some banks impose transfer limits that restrict how much you can deposit or withdraw from your bank account each day. Max has carefully selected online banks that have depositor-friendly funds transfer policies, often many times higher than those available to the general public. Max also takes into account these high transfer limits when determining the optimal set of transfers for your monthly optimization or on-demand Intelligent Funds Transfer (SM).


Below is a summary of Inbound and Outbound daily transfer limits by bank (as of 2/2021):



Inbound Transfers
Outbound Transfers
UFB Direct
$5,000,000*
$5,000,000*
Sterling National Bank
$500,000*
$250,000
LendingClub Bank
$500,000*
$250,000
Quontic Bank
$500,000*
$500,000*
Customers Bank
$250,000
$250,000
Barclays
$250,000
$250,000
Marcus by Goldman Sachs
No limit
$125,000
Ally Bank
$500,000
$150,000
American Express 
Personal Savings
$5,000,000
$5,000,000

* Some banks choose to offer higher daily transfer limits for Max members


Max is not impacted by transfer limits imposed by your brick-and-mortar checking account, however, in some cases, it may take more than one optimization to optimally allocate all of your funds across your accounts.


Max Checking


You may move up to $250,000 in to, or out from, Max Checking each business day by ACH. Larger amounts can be transferred by wire transfer.