MAXimum Free Checking

Take your money to the MAX! Earn a whopping 2.01% APY* and kiss ATM fees goodbye forever¹ with our MAXimum Free Checking Account. There are NO monthly service charges and NO minimum balance requirements. *Account is limited to 2 per household.

Online accounts are limited to residents in Missouri, Arkansas, Kentucky, Tennessee and parts of Illinois.

Questions?

Summary

2.01% APY* on balances up to $25,000¹
0.510% 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 Checks²
Free ATM/Debit Card
Free 24-Hour Mobile Banking
Free Online Banking
Free Bill Pay³
Free Image Statement
Free Direct Deposit/Automatic Drafts
50% Discount on Personal One-On Style
$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.

Qualifications:

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
Access online banking
Receive e‐statements

Disclaimer:

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 December 14, 2011. Rate tiers are as follows: 2.01% APY applies to balances of $.01 - $25,000 and 0.510% 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 2.01% APY - 0.510% 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. 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