Checking Accounts


woman smiling while using her laptop

All of our accounts feature 24/7 convenience


It's your money. You should have a big say in how you manage it. While all MAX accounts include a free debit card, nationwide ATM access, and time-saving digital banking, you're free to choose other features based on your finances and lifestyle.
accounts for all 



High Dividend

Achieve Checking.

With a few common-sense financial moves, you can earn investment-level dividends.

  • Earn up to 2.25% on deposits*
  • Enjoy additional rewards with debit card swipes
Free

Explore Checking.

No monthly fees AND tons of great features.

  • Streamlined and straightforward, with everything you need to manage your money wisely.
  • No monthly fees or minimum monthly  requirements to meet
High Earning

Perform Checking. 

This multi-tasking account comes with two good ways to grow your money.

  • Earn competitive dividends on deposits
  • Get access to an exclusive money market account
Youth Account

Student Spend.

Learn about financial responsibility and take steps toward independence.

  • Designed for ages 13-18**
  • Parents can monitor debit card use
  • No monthly fees
Free checking 62+

Arrive Checking.

Free checking for ages 62+

  • No monthly requirements
  • No minimum balance to maintain
  • First box of checks is free




* Earn Monthly Dividends 2.25% APY up to $15,000/0.25% APY After. 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.


Account Features

Beyond the Balance

All of our checking account options come with some smart extras: free online banking, free mobile banking, free online bill pay, free eStatements and free ATM access at thousands of convenient locations. MAX also offers extended opt-in overdraft protection plans for MAX checking accounts.


If We Don’t Pay - You Don’t Pay

At MAX we work hard to support and serve our members, this includes not charging our members unnecessary fees. We do not charge Non-Sufficient Fund (NSF) fees, also known as return item fees.  

In addition to no NSF fees, MAX provides members up to $10 in charge free overdraft protection. This additional coverage helps members avoid a $30 overdraft fee for those oops moments when their account may come up short on occasion.

*Members may still owe return item charges to the merchant/payee. 

 

Get Your Paycheck Up to 2 Days Sooner

Paydays are the best days, and you can enjoy access to your paycheck up to two days’ sooner* with our new advanced deposit feature.

How it works:

  • Set up your direct deposit to go to your MAX checking account
  • Do a happy dance knowing you’ll have your money sooner*

It’s really that easy. Instead of waiting until your official payday to give you access to your funds, we go ahead and release the money to you when it comes in from your employer’s payroll processor. In many cases, this is two days earlier than before. Say goodbye to waiting around to pay bills, purchase groceries, or have a little fun with friends.

* Early access to direct deposit funds depends on timing of payer’s submission of deposits. MAX will post ACH deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.

 

Account requirements

  • 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.

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.


MAX Credit Union is a full-service financial institution serving Central and East Alabama, including Montgomery, AL; Auburn, AL; Opelika, AL; Prattville, AL; Wetumpka, AL; Tallassee, AL; and Troy, AL.


person laying on couch on tablet

Digital banking is a no-brainer.

See all the benefits from digital banking with MAX. With 24/7 convenience, you can bank when and where you want to. 

Digital Banking

Ready for a change? Make the move to MAX.