Earn interest when you do banking basics — and get ATM withdrawal fee refunds!*

  • An interest checking account that pays you
    • 4.01% APY* on balances up to $15,000 and
    • .40% APY* on balances over $15,000 when requirements are met
    • 0.10% APY* on balances if requirements aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $10 Monthly Qualification Cycle)*
  • No maintenance fees
  • No minimum balance to earn rewards
  • Free first order checks for new accounts (specialty wallet-style only)***
  • Free online banking and bill pay**
  • Free mobile banking with mobile deposit
  • Free eStatements
  • Free Instant Issue Mastercard debit card
  • Free direct deposit and automatic drafts
  • $100 deposit to open account 

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

It’s Easy to Earn Your Rewards! 

To qualify, enrollments must be in place and all of the following transactions and activities must post and settle to your MAX1 Free Checking account during each Monthly Qualification Cycle:

MAX1 Free Monthly Activity Requirements:

  • At least 20 debit card purchases totaling a minimum of $50 per Monthly Qualification Cycle
  • Set-up and maintain an ACH debit or credit payment per Monthly Qualification Cycle – payroll direct deposit, bill payment, etc. 
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online/mobile banking at least once per Monthly Qualification Cycle

No need to worry if you don't meet the requirements on any given Monthly Qualification Cycle. You’ll still get free checking and earn our 0.10% APY. Get the opportunity to qualify again the very next Monthly Qualification Cycle!

 

MAX1 FREE CHECKING QUALIFICATION DATES:

2018 MONTHLY QUALIFICATIONS

COMPLETION DATE*

CYCLE DATE

AUGUST

08/15/2018*

08/15/2018

SEPTEMBER

09/19/2018*

09/19/2018

OCTOBER

10/17/2018*

10/17/2018

NOVEMBER

11/21/2018*

11/21/2018*

DECEMBER

12/19/2018*

12/19/2018

MAX1 Free Checking Disclaimer:

*Minimum to open account is $100. Annual Percentage Yield (APY) accurate as of August 16, 2018. Rate tiers are as follows: 4.01% APY applies to balances up to $15,000 and 0.40% APY applies to balances over $15,000 if Monthly Activity Requirements are met during the Monthly Qualification Cycle. 0.10% APY applies to all balances if Monthly Activity Requirements are not met. All balances will earn 4.01% APY to 0.40% APY if Monthly Activity Requirements are met. 4.01% APY and 0.40% APY guaranteed until Jan 1, 2020. Rates may be subject to change thereafter. 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 and Intra-bank transfers do not count towards qualifying debit card transactions. ATM Fee reimbursements up to $10.00 per Monthly Qualification Cycle provided only if Monthly Activity Requirements are met within the Monthly Qualification Cycle. Available to Personal Accounts only. Limited to one account per Social Security Number. No monthly service charge.  Monthly Qualification Cycle means a period beginning on the first day of the current statement cycle through the last day of the current statement cycle. 

**Customers must enroll in eStatements in order to have free bill pay.

***Free check offer valid to new customers only.