MAXimum Free Checking
This free checking account takes your money to the MAX! Earn 1.51% APY* each month, and kiss ATM fees goodbye forever.¹ There are NO monthly service charges, NO minimum balance requirements, plus free 24-hour Mobile Banking. You can even customize your own debit card.
*Account is limited to 2 per household.
Online accounts are limited to residents in Missouri, Arkansas, Kentucky, Tennessee and parts of Illinois.
- 1.51% APY* on balances up to $25,000¹
- 0.51% APY* on balances over $25,000¹
- If qualifications aren't met, you still earn 0.10% APY*
- ATM Fee refunds up to $25 per statement cycle**
- $100 opening deposit
- Free First Order Checks²
- Free ATM/Debit Card
- Free 24-Hour Mobile Banking
- Free Online Banking
- Free Bill Pay³
- Free Image Statement
- Free Direct Deposit/Automatic Drafts
- $500 Overdraft Privilege** - Overdraft Privilege Disclosure
¹ Qualifications must be met in order to receive benefits and interest.
² Specialty Wallet Style Only
³ Customers must receive an eStatement in order to have free Bill Pay.
* APY = Annual Percentage Yield
Customers must maintain an account in good standing with the bank for at least 30 days in order to qualify.
Apply for a MAXsavers Account to increase your yield even more!
In order to qualify for the MAXimum Free Checking benefits, simply do the following each monthly qualification cycle:
- Have at least 10 automatic payments post and clear (Note: ATM-processed transactions do not count towards qualifying debit card transactions.)
- Access online banking
- Receive e‐statements
ONLINE ACCOUNTS AVAILABLE TO MISSOURI, ARKANSAS, KENTUCKY, TENNESSEE, AND SOME ILLINOIS RESIDENTS ONLY.
Minimum to open account is $100. *Annual Percentage Yield (APY) accurate as of October 11, 2013. Rate tiers are as follows: 1.51% APY applies to balances of $.01 - $25,000 and 0.51% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. 0.10% APY applies to all balances if monthly qualifications are not met. All balances will earn 1.51% APY - 0.51% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.
Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. ATM-processed transactions do not count towards qualifying debit card transactions. Intra‐bank transfers do not count as qualifying transactions. **ATM Fee reimbursements up to $25 provided only if qualifications are met within the monthly qualification cycle.
- Qualification Dates
MAXimum FREE Checking, MAXtunes and MAXsavers Key Dates
The following are the deadline dates for completing your qualifications to earn rewards for MAXimum FREE Checking, MAXtunes and MAXsavers for 2013. We will update these dates periodically to keep you informed.
2013 Month Qualifications Completion Date* Cycle Date January 01/08/2013* 01/09/2013 February 02/12/2013* 02/13/2013 March 03/12/2013* 03/13/2013 April 04/09/2013* 04/10/2013 May 05/07/2013* 05/08/2013 June 06/11/2013* 06/12/2013 July 07/09/2013* 07/10/2013 August 08/13/2013* 08/14/2013 September 09/10/2013* 09/11/2013 October 10/08/2013* 10/09/2013 November 11/12/2013* 11/13/2013 December 12/10/2013* 12/11/2013
- The Story Behind MAX