MAXimum Free Checking

This free checking account takes your money to the MAX! Earn a great interest rate and receive reimbursement on all ATM fees nationwide!* There are no monthly service charges or minimum balance requirements.

Instead, you get cutting-edge convenience services, including free 24-hour mobile banking. You can even customize your own debit card! All you need to do is meet a few simple qualifications. MAXimize your cashflow today!

  • A free, high interest checking account that pays you!
  • 1.51% APY* on balances up to $25,000
  • 1.51% to 0.40% APY on balances over $25,000 depending on balance in account*
  • 0.10% APY* if qualifications aren't met
  • Nationwide ATM fee refunds (up to $25)*
  • Can link to high-interest MAXsavers account
  • No monthly service charges
  • No minimum balance to earn rewards
  • Free first order checks (specialty wallet-style only)
  • Free online banking and bill pay**
  • Free mobile banking
  • Free eStatements
  • Free ATM/debit card
  • Free direct deposit and automatic drafts
  • $100 deposit to open account



Qualifications are so easy you're probably already doing them! To earn your rewards, simply do the following activities and transactions in your MAXimum Free Checking account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and review eStatement notice
  • 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, MAXtunes and MAXsavers for 2017. We will update these dates periodically to keep you informed.

2017 Month QualificationsCompletion Date*Cycle Date
January 01/11/2017* 01/11/2017
February 02/08/2017* 02/08/2017
March 03/08/2017* 03/08/2017
April 04/12/2017* 04/12/2017
May 05/10/2017* 05/10/2017
June 06/14/2017* 06/14/2017
July 07/12/2017* 07/12/2017
August 08/09/2017* 08/09/2017
September 09/13/2017* 09/13/2017
October 10/11/2017* 10/11/2017
November 11/08/2017* 11/08/2017
December 12/13/2017* 12/13/2017

*Minimum to open account is $100. Annual Percentage Yield (APY) accurate as of May 15, 2014. 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 monthly qualifications are not met. All balances will earn 1.51% APY to 0.40% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and settle 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.

**Customers must receive an eStatement in order to have free bill pay.