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Smart is Managing Money Without Double-Checking

A personal checking account is an integral part of your financial life, and there’s no reason for confusion. Enjoy the convenience of checking without the need for double-checking. At MAX, we offer a wide range of different options for different folks. Each is easy to understand, giving you the information and confidence to make the right choice for you. All accounts come with a FREE debit card, overdraft privilege, FREE online and mobile banking, text banking, eStatements and Smartfolio: an online personal financial manager.

I would like
  • ...
  • a basic checking account
  • to earn dividends
  • to earn dividends monthly
  • to earn dividends quarterly
  • free MAX home banking services
  • free eStatements
  • free monthly mailed statements
  • access to high yield money market account
  • student checking account
  • free checks
Explore: Standard Checking IconExplore: Standard Checking Achieve: High Dividend Checking IconAchieve: High Dividend Checking Perform: High Earning Checking IconPerform: High Earning Checking Arrive: Over 62 Checking IconArrive: Over 62 Checking
A straightforward account with the free stuff you need. Perfect for those on-the-go who want to earn dividends. An account for those who want to maximize earnings. Full-featured free checking for those over 62.
Minimum Age 14*** Minimum Age 14*** Minimum Age 14*** Minimum Age 62
Lots of Free Features Earn Monthly Dividends 2.25% APY up to $15,000/0.25% APY After* Earns Quarterly Dividends Lots of Free Features
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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.

Beyond the Balance

All of our checking account options come with some smart extras: free online banking, free mobile banking, free online bill pay, free eStatements and free ATM access at thousands of convenient locations. MAX also offers extended opt- in overdraft protection plans for MAX checking accounts.

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.
  • 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  →

Ready To Open an Account Online?

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

Begin Online Application  →