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

It’s So 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

MAX1 Savers Disclaimer:

MAX1 Savers requires MAX1 Free Checking Account to be opened and linked to MAX1 Savers Account.

*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.

 

The Annual Percentage Yield (APY) disclosed on the MAX1 Free Checking Accounts assumes that interest earned in the MAX1 Free Checking Account compounds. However, by choosing to have the MAX1 Savers linked to MAX1 Free Checking, you understand that the interest earned in your MAX1 Free Checking Account is automatically transferred into your MAX1 Savers Account at the end of the statement cycle and therefore does not remain in your MAX1 Free Checking Account and does not compound. Additionally, you understand that the interest amount earned in the MAX1 Savers Account may be less than the interest amount earned in the MAX1 Free Checking Account. The interest from the MAX1 Free Checking Account transfers to the MAX1 Savers Account, whether the Monthly 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. Minimum to open MAX1 Savers Account is $100.  MAX1 Savers rate of 1.01% Annual Percentage Yield (APY) applies to all balances if qualifications are met during the Monthly Qualification Cycle on the MAX1 Free Checking Account. 0.10% APY applies to all balances if qualifications are not met on the MAX1 Free Checking. All balances will earn 1.01% APY if Monthly Qualifications are met on the MAX1 Free Checking.