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 0.25% APY* on balances greater than $15,000. And you always get free Online Bill Pay and free eStatements.
What makes Achieve Checking Different?
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
Manage your money on the go, when and where you want.
It’s fast and secure, and allows you to perform money management tasks with ease. Most importantly, our mobile banking services are free. You can deposit a check by taking a picture, pay bills, use Smartfolio and so much more!
At MAX, we’re always looking for ways to bring you new and innovative ways to help you manage your money smarter.
We are excited to offer you Apple Pay™, Samsung Pay™ and Android Pay™.
With your Digital Wallet, you can store your MAX credit or debit card digitally on your phone. Digital Wallets let you make purchases at participating locations with just one touch of your device - no need to swipe! Learn more about Digital Wallets →
While you work hard, you'll also earn smartly with the Achieve account.
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 0.25% 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 an Achieve 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.
*$360 per year is calculated based on $15,000 earning 2.25% APY over 12 months. 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.
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.
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