By default, Max will help you optimize your accounts once per month, but you may change this setting at any time.
Each optimization is designed to help you continue to earn the highest yields, even as rates change, while also keeping all your funds FDIC-insured (unless you've requested otherwise). As part of each optimization, Max also helps you restore your linked checking account to your pre-set Target Balance. Learn more about what happens during each optimization.
You can change your optimization schedule at any time by clicking on Profile > Account Settings > Edit Optimization Schedule.
You can configure your Optimization Schedule in one of three ways:
1) Monthly (default): Max will help you optimize your accounts once per month.
- Max will help you keep your funds optimally allocated across your accounts each month on the day of your choice.
2) Paused: Max will suspend your monthly optimizations until a date you choose.
- Preparing to buy a house? Tell Max you want to do nothing until you close.
3) On-Demand: Max will only help you optimize your accounts upon your request.
- Click "Optimize Now" whenever you wish to optimize your accounts.
You may change these settings at any time.
Regardless of which Optimization Schedule you choose, you may still request additional optimizations at any time by clicking on the “Optimize Now” arrow on your Max Dashboard, so long as no other funds transfers are already in progress.