There is no limit as to how much cash you can optimize using Max.

By default, Max helps you keep your balances below the FDIC insurance limit at each bank. However, you may elect to exceed the FDIC limit by changing your settings on a bank-by-bank basis at any time.

Some online banks have established maximum balance limits. Max takes each bank's limits into account when proposing transfers for your monthly optimization or Intelligent Funds Transfers (SM).

Below you'll find a summary of the balance limits at each online bank (as of 9/2022):

Online BankMaximum Balance
UFB DirectNo limit*
LendingClub BankNo limit
BrioDirect powered by Webster BankNo limit
Customers BankNo limit
Ally BankNo limit
Quontic Bank$2,000,000
American Express Personal Savings$5,000,000

* Some banks choose to offer preferred terms for Max members

Couples can increase the amount they have on deposit by opening multiple accounts at each bank, titling accounts i) in the name of each spouse and ii) jointly. See related article "How can I maximize FDIC coverage?"

Max also offers a partner solution that can provide FDIC insurance coverage of up to $100 million per depositor / tax ID. Visit for additional information.