MAXimum Free Checking

Take your money to the MAX! Earn a whopping 3.51% APY* and kiss ATM fees goodbye forever¹ with our MAXimum Free Checking Account. There are NO monthly service charges and NO minimum balance requirements. ***Online accounts are limited to residents in Missouri, Arkansas, Kentucky, Tennessee and parts of Illinois.

Summary

3.51% APY* on balances up to $25,000¹
1.01% APY* on balances over $25,000¹
If monthly qualifications still 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 Requirements 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.

Rates effective July 15, 2010 and are subject to change any time after account opening. Click here for more details.

Qualifications

In order to qualify for the monthly benefits, just meet these simple criteria each month:

Make 10 Debit Card Purchases
Access Online Banking once
Enroll and Receive E-Statements

More Information

ONLINE ACCOUNTS AVAILABLE TO MISSOURI, ARKANSAS, KENTUCKY, TENNESSEE, AND SOME ILLINOIS RESIDENTS ONLY.

This account requires an initial deposit between $100 and $1000. After your account is opened, you will be able to transfer/deposit additional funds into it. All qualifications must be met per statement cycle to receive the rewards for that cycle. If they are not met, interest will be paid at the base rate APY and no ATM fees will be reimbursed. MAXimum Free Checking is available for personal accounts only. Annual Percentage Yield (APY) accurate as of July 15, 2010. Rate tiers are as follows: 3.51% APY applies to balances of $.01 - $25,000 and 1.01% APY paid on balances over $25,000 as long as qualifications are met each statement cycle. 0.10% APY will be paid on all balances if qualifications are not met. Rates may change after the account is opened. Fees may reduce earnings. ** ATM fee refunds up to $25.00 per cycle when qualifications are met.