Pair your free checking and savings accounts for a quicker way to create your cash cushion!

  • Build your savings easily
  • Automatic transfers of MAXimum Free Checking rewards
  • 0.35% APY* on balances up to $50,000
  • 0.35 to 0.20% APY on balances over $50,000 depending on balance in account*
  • 0.10% APY* if qualifications are not met in MAXimum Free Checking
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Free online banking
  • Free mobile banking
  • Free eStatements
  • Free debit card
  • Free direct deposit and automatic drafts
  • $100 minimum deposit to open

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

It’s So Easy to Earn Your Rewards!

Qualifying for your MAXimum Free Checking rewards automatically qualifies you for the highest MAXsavers too. 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 still get free checking and earn our base rate. You'll 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

 

*Annual Percentage Yield (APY) accurate as of September 26, 2017. Rates may change after the account is opened. Fees may reduce earnings. Minimum to open MAXimum Free Checking account is $100 and $100 for MAXsavers. MAXimum Free Checking 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 qualifications are not met. All balances will earn 1.51% APY to 0.40% APY if qualifications are met. The Annual Percentage Yield (APY) disclosed on the MAXimum Free Checking accounts assumes that interest earned in the MAXimum Free Checking account compounds. However, by choosing to have the MAXsavers linked to MAXimum Free Checking, you understand that the interest earned in your MAXimum Free Checking account is automatically transferred into your MAXsavers account at the end of the statement cycle and therefore does not remain in your MAXimum Free Checking account and does not compound. Additionally, you understand that the interest amount earned in the MAXsavers account may be less than the interest amount earned in the MAXimum Free Checking account. The interest from the MAXimum Free Checking account transfers to the MAXsavers account, whether the 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. Qualifying transactions must post and settle the MAXimum Free Checking 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. Intraâ€bank transfers do not count as qualifying transactions. MAXsavers rate tiers are as follows: 0.35% APY applies to balances of $.01 to $50,000 and 0.20% APY applies to balances over $50,000 if qualifications are met during the monthly qualification cycle on the MAXimum Free Checking account. 0.10% APY applies to all balances if qualifications are not met on the MAXimum Free Checking. All balances will earn 0.35% APY to 0.20% APY if qualifications are met on the MAXimum Free Checking. ATM Fee reimbursements (MAXimum Free Checking account only) up to $25 provided only if qualifications are met within the monthly qualification cycle.