Earn Cash Back Every Time You Spend. 

Smart Plus rewards you with cash back when you pay with your MAX VISA® debit card. You can swipe, dip, tap, or spend online. It's really that simple. 

There's no need to sign up, apply, or visit a branch — start earning debit rebates just by owning active qualifying accounts, meeting savings goals, and enrolling in smart services! 

"Now I can say YES to more and earn cash back every time I use my MAX VISA debit card." 

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To earn $0.10 every time you use your MAX VISA® debit card, you will need to be an active user of MAX Bill Pay (at least one bill payment per month), direct deposit service to your checking account, and at least four unique and active accounts or loans. You can also qualify by having a combined deposit balance of $50,000 or more for the entire month.  

Qualifying Accounts & Loans:

Available Accounts: 
Savings & Club Accounts 
Checking Account 
Certificate Accounts 
Money Market Accounts 
IRAs
Available Loans: 
Credit Cards
Mortgage 
Home Refinance Loan
Home Equity Loan
Home Equity Line of Credit 
Car Loan
Boat Loan
Motorcycle Loan
RV Loan 
ATV Loan
Share Secured Loan
Certificate Secured Loan 
Unsecured Signature Loan
Personal Line of Credit    →

To earn $0.05 every time you use your MAX VISA® debit card, you need to have direct deposit to your checking account and three unique and active accounts or loans. You can also qualify by having a combined deposit balance of $25,000 or more at MAX. 

Qualifying accounts & loans:

Available Accounts: 
Savings & Club Accounts 
Checking Account 
Certificate Accounts 
Money Market Accounts 
IRAs
Available Loans: 
Credit Cards
Mortgage 
Home Refinance Loan
Home Equity Loan
Home Equity Line of Credit 
Car Loan
Boat Loan
Motorcycle Loan
RV Loan 
ATV Loan
Share Secured Loan
Certificate Secured Loan 
Unsecured Signature Loan
Personal Line of Credit    →

To earn $0.02 every time you use your MAX VISA® debit card, you must have three active and unique accounts or loans. You can also qualify by having a combined deposit balance of $5,000 or more. 

Qualifying accounts & loans:

Available Accounts: 
Savings & Club Accounts 
Checking Account 
Certificate Accounts 
Money Market Accounts 
IRAs
Available Loans: 
Credit Cards
Mortgage 
Home Refinance Loan
Home Equity Loan
Home Equity Line of Credit 
Car Loan
Boat Loan
Motorcycle Loan
RV Loan 
ATV Loan
Share Secured Loan
Certificate Secured Loan 
Unsecured Signature Loan
Personal Line of Credit    →

It's smart. it's simple.

Your loyalty is rewarded with every purchase. Each month, we'll determine which cash-back category you qualify for and calculate your earnings based on use of your debit card. At the end of the month, we'll deposit the cash you've earned right into your checking account. There's no need to register online or stop by a branch to start seeing the benefits.

Any use of your MAX VISA® debit card can earn you extra cash back with Smart Plus. This means use of mobile wallets (like Apple Pay, Samsung Pay, or Android Pay) and online purchases count. It's no different than making a purchase at the checkout counter of your favorite store.

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.

Get Started with MAX  →