Designed with you in mind.

The MAX Achieve checking account offers a high annual percentage yield with no minimum balance, and has NO monthly fees when you meet certain requirements.

Achieve was created for you. Earn *2.25% APY (annual percentage yield) on balances up to $15,000 and *0.30% APY on balances greater than $15,000. And you always get free Online Bill Pay and free eStatements.

Achieve checking with MAX:

  • No monthly fees when you maintain a $500 minimum balance or complete requirements to earn dividends
  • Minimum opening deposit of $50
  • Online bill pay
  • Five network fees refunded per month for non-MAX ATM transactions
  • Opt-in for overdraft protection


While you work hard, you'll also earn smartly with the Achieve account.

Elisa Hunter , Customer Service Consultant

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MAX employee


  • Minimum Age Icon

    Minimum age 14***

  • Shield Icon

    Overdraft protection

  • Debit Card Icon

    Free debit card

  • Mobile Banking Icon

    Free mobile, online, and text banking

  • Pie Chart Icon

    Earn dividends 2.25% APY up to $15,000 / 0.30% APY after*

  • Owl Icon

    Smartfolio: A personal finance manager

  • Online Bill Pay

    Free online bill pay

  • Virtual Wallet Icon

    Virtual wallet access: Apple Pay, Android Pay, or Samsung Pay

  • 24/7 Telephone Banking icon

    24-7 Telephone Banking

  • E-Statements icon

    Free eStatements

  • No per check charges icon

    No per check charges

How do I qualify for Achieve Checking and earn 2.25% APY?

MAX pays dividends on the Achieve Checking account based on a split rate tier structure and the account's average daily balance for the month. The APYE (annual percentage yield earned) for balances between $1.00 and $15,000 is calculated at 2.25% APY (annual percentage yield). The APYE for balances above $15,000 uses a split calculation; 2.227% APY on the first $15,000 and 0.30% APY on the remaining balance. These two rates together will yield a combined APYE to calculate your monthly dividend. This combined APYE is shown on your statement.

To qualify for Achieve Checking and earn dividends, meet these simple requirements:

  • Open a Achieve Checking free checking account with as little as $50.
  • Sign up for eStatements.
  • Sign up for Direct Deposit into your Achieve Checking account.
  • Use your MAX Check Card to make at least ten debit or credit purchases per month. To meet this Achieve Checking account requirement for any given month, the purchases must post to your account by the end of that month.
    Credit purchases are purchases made with your check card when you choose "credit" instead of "debit" at the transaction terminal. When you choose "credit" you don't have to enter your PIN to authorize the transaction, but your signature may be required instead.
  • Use MAX Online Bill Pay to pay one bill per month. To meet this Achieve Checking account requirement for any given month, the bill must post to your account by the end of that month.

*Rates subject to change. All rates quoted as Annual Percentage Yield (APY). As of the last dividend declaration date, the dividend rate was as shown above, under Dividend Rate, with the corresponding Annual Percentage Yield (APY). The Dividend Rate and Annual Percentage Yield may change as indicated in our Disclosures. This account is subject to a service fee of $4.95 each month the account does not meet the requirements to earn dividends unless a minimum balance of $500.00 is maintained during the entire month. This account must maintain an average daily balance of $1.00 to receive dividends.
*** With a qualified guarantor.

Some restrictions may apply. To learn more, read the Truth-in-Savings disclosure.

Ready to get started?

Become a part of MAX and know what it means to manage your finances the smart and simple way. Open your account online, by phone, or at one of our convenient locations.

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