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At MAX, we know we're only successful because our customers give us the opportunity to meet their financial needs. So when we experience success, we believe we should share it with the people who made it possible. So we created SmartShares — just for you.


Your loyalty is the main ingredient to making MAX smarter. Because of you, we can offer free checking accounts that pay dividends and the lowest rates and fees. But we decided that's not enough. We want to personally reward you for your loyalty — with SmartShares.

We promise there are no hoops to jump through or walls to climb. And we promise to never complicate how you earn MAX SmartShares. Sure, it's a rewards program for our most loyal customers- but we understand the brilliance of simplicity.

To qualify* for a SmartShare cash rewards, you must:

  • Have a primary share ( your savings account) in good standing
  • Have an open primary share account with at least the $5.00 minimum
  • Have not opted out of dividends
  • Have a qualified account type

The Math Behind SmartShares**

A SmartShare on aggregated share dividends earned 10% of those earnings. A Smartshares on aggregated Consumer and/or home equity loan interest paid is 2.75% of interest paid. A SmartShare per first mortgage is 1% of interest paid. The aggregation of these Smart Shares per account must be greater than or equal to $5 to be considered for payout.


 Non-Qualifying Account Types

The following account types were not included in the calculation of your SmartShares:

  • Business account
  • Non-customer account
  • Victim/Memorial Fund Account
  • Estate Account
  • Indirect Dealer Account
  • Business Services/Sole Proprietorship
  • Business Services/Partnership
  • Business Services/Corporation
  • Business Services/Association
  • Non-resident Alien

SmartShares. It's one more way MAX provides smarter money management.

* Restrictions may apply. Give us a call to learn more about qualifying for SmartShares.
**The math behind SmartShares may change based upon current income and available earnings after required transfers to reserves at the end of the payout period (November 30).

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