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

  • 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
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Can link to high-interest MAXsavers account
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Free first order checks (specialty wallet-style only)
  • Free online banking and bill pay**
  • Free mobile banking with mobile deposit
  • Free eStatements
  • Free 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 MAXimum Free Checking account during each Monthly Qualification Cycle:

  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

No need to worry if you don't meet the qualifications on any given cycle. You’ll still get free checking and earn our base rate. Get the opportunity to qualify again the very next monthly qualification cycle!

The following are the deadline dates for completing your qualifications to earn rewards for MAXimum Free Checking and MAXsavers for 2017. We will update these dates periodically to keep you informed. 

2017 Monthly Qualifications

Completion 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 September 26, 2017. 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.