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Earn 2.25% APY on balances up to $15,000 and 0.25% Annual Percentage Yield on balances over $15,000

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. A high dividend checking account, designed with you in mind. And you always get free Online Bill Pay and free eStatements.

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Achieve: High Dividend Checking Accounts with MAX:

  • No monthly fees when you maintain a $500 minimum balance or complete requirements to earn dividends (see requirements to earn dividends below) 
  • Minimum opening deposit of $50
  • Free MAX Online Banking & MAX Mobile Banking, along with other features
  • Access MAX ATMs
  • Five network fees refunded per month for non-MAX ATM transactions
  • Opt-in for overdraft protection


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  →

*$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.
*** With a qualified guarantor.


  • 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 / 0.25% 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

  • Smart Plus Debit Rebates

    Smart Plus debit rebates

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

Elisa Hunter , Customer Service Consultant

Watch Video  →
MAX employee
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 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, or use MAX Mobile Deposit at least once per month. 
  • Use your MAX Check Card to make at least fifteen (15) 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.
Some restrictions may apply. To learn more, read the Truth-in-Savings disclosure.

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.

Begin Online Application  →