Everyday banking
Checking that actually pays you
Earn tiered interest on your everyday balance, get unlimited domestic ATM fee rebates, and never pay an overdraft fee.
- Top tier APY
- 3.75%
- ATM rebates
- Unlimited
- Overdraft fee
- $0
Max-Rate Checking — current tiers
Live · refreshes automatically| No published tiers. | ||||
Rates are indicative, variable, and subject to change. Fees shown exclude third-party charges.
Eligibility
- 18 years or older with a valid US Social Security Number or ITIN.
- Verified US residential address and completed identity verification.
- Qualifying activity for the Max and Max Elite tiers: at least one monthly direct deposit of $500 or more.
- Debit card issuance requires a completed OFAC and fraud screen.
- Business and trust ownership is not eligible for this consumer product.
Fees & charges
- Monthly maintenance
- $0
- Overdraft / NSF
- $0
- Domestic ATM (out of network)
- Rebated
- International ATM / FX
- 1.00%
- Card replacement (expedited)
- $25
- Stop payment
- $20
Disclosures
- APY is variable and may change at any time. Interest tiers apply to the portion of the daily collected balance within each tier.
- Qualifying-activity tiers are evaluated on the last business day of each statement cycle. Balances in a non-qualifying cycle earn the Standard tier APY.
- ATM rebates apply to domestic surcharge fees, are credited within two business days, and exclude international operator fees.
- Deposit accounts are FDIC-insured up to applicable limits. Fees may reduce earnings.