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At MAX, we are consistently looking for ways to improve our smart products and services in an effort to make your life simpler.

We are pleased to announce that we have made changes to our Achieve and Explore checking accounts that we feel will best benefit our customers. These changes took effect on January 1, 2018.

Changes to Achieve Checking dividend eligibility:

  • The requirement to use Bill Pay has been removed.
  • Customers have the option to use Mobile Deposit as an alternative to receiving direct deposits.
  • The minimum debit card transaction count increased to 15. The previous minimum debit card transaction count was 10.

These changes impact all customers with an Achieve Checking account. Don’t worry, all the benefits you love are remaining the same. There are no changes in the features or dividend calculations of your accounts. Plain and simple. No action is required on your end. The changes automatically took effect on January 1, 2018. The first time the dividends are paid using the new qualifications will be on February 1, 2018.

The new requirements must be met by February 1, 2018 for customers to earn dividends. If customers do not meet the requirements they must maintain a balance of at least $500 or they will be charged a $4.95 monthly service fee. 


Changes to Explore Checking: 

  • Customers may waive $4.95 service fee if they are younger than 26 years of age, or use their debit card 15 times during each calendar month AND receive at least one direct OR mobile deposit during the calendar month. 

These changes impact all customers with an Explore Checking account and took effect on January 1, 2018. The requirements for having the service fee waived must be met in the month of January to avoid paying a fee at the end of the month. 


A notice with these updated terms was included in the statements delivered after November 1. 



If you have any questions regarding your checking account, please feel free to reach out to us!

Give us a call at 334-260-2600 or 800-776-6776, or email us at