MAXsavers and MAXimum Free Checking work together to help you save more, automatically! That's because each month you qualify, your MAXimum Free Checking account rewards get deposited automatically into your MAXsavers account.
Plus, MAXsavers also earns a great interest rate for even more saving power. Increase your savings to the MAX with this dynamic account duo!
- Automatic transfers of MAXimum Free Checking rewards
- 0.35% APY* on balances up to $50,000
- 0.35 to 0.20% APY on balances over $50,000 depending on balance in account*
- 0.10% APY* if qualifications are not met on MAXimum Free Checking
- No monthly service fee
- $100 deposit to open
- No minimum balance to earn rewards
- Free online banking
- Free mobile banking
- Free eStatements
- Free ATM/debit card
- Free direct deposit and automatic drafts
Online accounts are limited to residents in Missouri, Arkansas, Kentucky, Tennessee and parts of Illinois.
To receive the benefits of both accounts, just meet these 3 simple qualifications for MAXimum Free Checking during each monthly qualification cycle:
- Have at least 10 debit card purchases post and settle
- Be enrolled and review eStatements
- Be enrolled in and log in to online banking
There is no need to worry if you don't meet the qualifications on any given cycle. You still get free checking and earn our base rate. You'll get the opportunity to qualify again the very next monthly qualification cycle!
- Qualification Dates
The following are the deadline dates for completing your qualifications to earn rewards for MAXimum FREE Checking and MAXsavers for 2013. We will update these dates periodically to keep you informed.
*Annual Percentage Yield (APY) accurate as of May 15, 2014. Rates may change after the account is opened. Fees may reduce earnings. Minimum to open MAXimum Free Checking account is $100 and $100 for MAXsavers. MAXimum Free Checking rate tiers are as follows: 1.51% APY applies to balances of $.01 to $25,000 and 0.40% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. 0.10% APY applies to all balances if qualifications are not met. All balances will earn 1.51% APY to 0.40% APY if qualifications are met. The Annual Percentage Yield (APY) disclosed on the MAXimum Free Checking accounts assumes that interest earned in the MAXimum Free Checking account compounds. However, by choosing to have the MAXsavers linked to MAXimum Free Checking, you understand that the interest earned in your MAXimum Free Checking account is automatically transferred into your MAXsavers account at the end of the statement cycle and therefore does not remain in your MAXimum Free Checking account and does not compound. Additionally, you understand that the interest amount earned in the MAXsavers account may be less than the interest amount earned in the MAXimum Free Checking account. The interest from the MAXimum Free Checking account transfers to the MAXsavers account, whether the qualifications are met or not. Interest is credited on the first business day of the following earnings period. Accrual of interest on non-cash deposits – Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks). If you close your account before interest is credited, you will forfeit the interest. Qualifying transactions must post and settle the MAXimum Free Checking 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. MAXsavers rate tiers are as follows: 0.35% APY applies to balances of $.01 to $50,000 and 0.20% APY applies to balances over $50,000 if qualifications are met during the monthly qualification cycle on the MAXimum Free Checking account. 0.10% APY applies to all balances if qualifications are not met on the MAXimum Free Checking. All balances will earn 0.35% APY to 0.20% APY if qualifications are met on the MAXimum Free Checking. ATM Fee reimbursements (MAXimum Free Checking account only) up to $25 provided only if qualifications are met within the monthly qualification cycle.