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Explore is the smart way to embark on your financial journey. Explore has all the advanced technological tools you’ll need to reach your desired financial destination. Explore is a great basic checking account with several free benefits. Genius, right?

We keep it simple – providing you with a checking account designed for the on-the-go lifestyle of someone like yourself. You can manage your money from anywhere with the convenience of FREE online and mobile banking. Want to know what’s even smarter? There’s no minimum to open, no balance requirements, and no monthly fee when you meet certain requirements.*

Begin Account Application  →


Explore Checking with MAX: 

  • Designed for all ages, starting at 14***
  • $50 minimum to open
  • No monthly service charge* 
  • No minimum balance requirement
  • No per check charges* 
  • Five waived ATM fees per month*


To open an account online, select the option below that best describes what you'd like to do. If you have any questions, give us a call at 334-215-4705 or 800-776-6776 between 8:30 AM and 5:00 PM CST, Monday through Friday.

Open a New Account

  • You must be a U.S. citizen or resident alien and 19 years of age or older. A student may open an account at 14 years of age or older.***
  • You must have a U.S. address and Social Security number, as well as, one of the following: a driver`s license, U.S. passport, or state-issued ID.
  • You must also have a valid email address.

Begin Account Application  →




  • Minimum Age Icon

    Minimum age 14***

  • Debit Card Icon

    Free debit card

  • Mobile Banking Icon

    Free mobile, online, and text banking

  • Owl Icon

    Smartfolio: A personal finance manager

  • Online Bill Pay

    Free online bill pay

  • E-Statements icon

    Free eStatements

  • 24/7 Telephone Banking icon

    24-7 Telephone Banking

  • Virtual Wallet Icon

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

  • No per check charges icon

    No per check charges

  • Shield Icon

    Overdraft protection

  • Smart Plus Debit Rebates

    Smart Plus debit rebates

* A monthly service charge of $4.95 per month may be waived for students under age 26, upon application to MAX or use your debit card fifteen (15) times during each calendar month AND receive at least one direct deposit OR mobile deposit during the calendar month. MAX will waive a maximum of 5 ATM Network fees charged for withdrawals during the month to this account for students under age 26, upon application to MAX. There is a Per Check Charge of $.20 per check after twelve checks each month.   
*** With a qualified guarantor.

Ready To Apply?

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.

Open an Explore Checking Account  →