What is Max Checking?

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 domestic wire transfers3

• Integrates seamlessly into Max, where you can earn preferred rates on savings

• Earn rebates on Max Membership fees

• Opens in 60 seconds!

Is Max Checking right for me?

Max Checking is for those who:

• Don’t have a checking account at one of the banks supported on the Max platform

  or

• Want to fund Max from more than one checking, savings, or brokerage account

  or

• Want to allocate a discrete amount of cash to Max, without funds flowing through their main checking account

  or

• Want to enroll in Max without ever sharing any logins or passwords

Max Checking is powered by Customers Bank, Member FDIC #34444.

1) Annual Percentage Yield (APY) accurate as of 3/3/2025. 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) Funds transfers to/from Max Checking can be completed via same-day ACH as long as they are requested prior to 10:00am ET. ACH transfers are subject to an initial bank hold of up to 10 days before funds will be available to transfer.

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