Max makes it easy for you to earn more on your cash no matter where you bank or invest by funding your Max account from your existing checking, savings, and brokerage accounts. Simply transfer funds to Max Checking, an integrated no-fee checking account that handles the transfers between your high-yield online savings accounts.

Once funds are in your Max Checking account, you can send funds to your higher-yielding accounts by starting your first optimization.

Here are the most popular ways to fund your Max Checking account: 

Option A: Fund by Linking an External Account via Plaid


On your Max Dashboard, click “Add Funds” next to your Max Checking account. 

Select “Add Funding Institution” or “Link Another Account” to instantly link any combination of your existing checking, savings, and brokerage accounts at thousands of financial institutions nationwide to your Max Checking account.

You can then deposit funds from any of your linked accounts into Max Checking directly from within Max by clicking “Deposit Funds.”

You can use this same interface to send funds from Max Checking back to any of your linked bank or brokerage accounts at any time. All funds transfers occur via the ACH network and typically take 1 business day, although in some cases funds may arrive same-day.

Note: Deposits and withdrawals into/out from Max Checking requested through the Max interface are limited to $250,000 per day. You may withdraw larger amounts at any time by same-day wire transfer.

Option B: Fund by ACH Transfer

You can fund your Max Checking account in a day or two by initiating an ACH from your existing bank or brokerage account. 

ACH transfers are electronic, bank-to-bank money transfers processed through the Automated Clearing House (ACH) network. You can often add an external bank account, such as Max Checking, to your existing bank or brokerage portal. 

You can then request that your existing bank send funds to your Max Checking account by ACH by referencing your Max Checking Account Number and ABA/Routing Number, visible by clicking on the word “Checking” atop your Max Dashboard.

Note: Max Checking is provided by Customers Bank, so if you’re sending funds to Max Checking from another bank or app, the destination bank may appear as "Customers Bank.”

Option C: Fund by Wire Transfer

You can fund your Max Checking account instantly by same-day wire transfer. Simply contact your bank or brokerage firm to request a wire.

To find your Max Checking account and routing number, click on the “Checking” tab and scroll down to find a link to your personal wire instructions. Print or save this information and send it to your existing bank or brokerage firm so that they can initiate a wire transfer to Customers Bank, the bank that powers Max Checking.

Max Checking does not charge any fees for sending or receiving domestic wires, however, your existing bank may still charge you a fee for initiating a wire. Funding by wire transfer will enable you to start earning more right away.

To send funds out of Max Checking by wire transfer, contact Customers Bank Customer Service at 1-855-398-8159. With Max Checking, all domestic wire transfers are free of charge!

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