Max Checking is a checking account that you can open quickly and securely while enrolling for Max. 

With Max Checking, you can link Max to all your existing checking, savings, and brokerage accounts, benefit from faster optimizations, and earn more on all your cash no matter where you bank or invest. You'll also be able to make a discrete allocation of cash to Max, so you can use Max to help reach your savings goals without impacting your main checking account.

Max Checking offers the following additional benefits: 

  • Earn 0.20% APY on checking1
  • FDIC-insured1
  • No minimums or monthly fees1
  • Free ATM access worldwide
  • Free wire transfers3
  • Integrates seamlessly into Max, where you can earn preferred rates on savings
  • Earn rebates on Max Membership fees
  • Support for accounts titled as revocable trusts
  • Opens in 60 seconds!


Max Checking powered by LendingClub Bank, N.A., Member FDIC #32551.

1) Annual Percentage Yield (APY) accurate as of 09/26/2019. Minimum amount to open a Max Checking account is $0.00. Rate of 0.20% applies to entire balance. Rates may change after account is opened. Fees may reduce earnings. FDIC-insured up to at least $250,000 per depositor.
2) Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you. ATM surcharge rebates apply to cash withdrawals from a Max Checking account using the Max debit card wherever it is accepted. LendingClub Bank does not charge a fee for using another bank’s ATM. ATM fees will be rebated at the end of each statement cycle. Excludes international exchange fees. LendingClub Bank makes its best effort to identify those ATM fees eligible for rebate.

3) Fees will be waived for all domestic and international inbound and outbound wire transfers to/from Max Checking.