Rapid Transfers

Move your money from any financial institution in minutes.

Moving money between bank accounts shouldn’t have to be complicated.

With MAX Rapid Transfers, you can quickly transfer money from your accounts at other financial institutions using your debit card. For a small fee, you can move money instantly when you need it, with limits of up to $10,000 in or out per day, per member.


Get Started with One-Step Setup

In online banking or the MAX app, head to your Transfers tab, choose Rapid Transfer, and add your external debit card details. Once you’ve entered your information, it’s securely saved for all future transfers. You won't have to hunt for routing or account numbers ever again.
 

Pay Yourself Across Different Financial Institutions

While most payment apps are for sending money to others, a Rapid Transfer is designed for your own accounts. It bridges the gap between your different financial institutions so you can fund your budget without the typical three-day wait.*




Choose the Speed that Fits Your Budget

We’re committed to being open about cost so you can make the best choice for your budget. While free standard transfers are still an option, a Rapid Transfer carries a small fee* (up to 1.75% or a $0.50 minimum per transaction) for near-instant delivery.
 
 

Rely on MAX Credit Union's Trusted Security

Your security is our priority. MAX Credit Union uses the same multi-layered protection you already trust, including name and address validation and secure authentication. You can move your money 24/7 with confidence that your transactions are safe and verified.
 
 

Get Started

Log in to your MAX online banking or mobile app and click on Transfers in the menu to get started. 

Note: Never share your personal or financial account information with others. MAX will never contact you and ask for your account number, online banking username, password, or a one-time passcode. 
Refer to our Security Center for more tips to keep you and your accounts safe.

 

Frequently Asked Questions (FAQs)

With MAX Rapid Transfers, you can quickly transfer money from your accounts at other financial institutions using your debit card. For a small fee, you can move money instantly when you need it, with limits of up to $10,000 in and $10,000 out per day, per member. These types of transactions are sometimes referred to as "me-to-me" because you are moving money between your accounts at different financial institutions.

Log in to your MAX Credit Union online or mobile banking account and visit the Transfers tab to experience the simplest way to pay yourself. 
  • Bridge accounts: Fund your primary account from other financial institutions.
  • Stay ready: Handle unexpected expenses with quick access to your own funds.
  • Fund your goals: Move money to travel, savings, or specialty spending accounts.
  • Manage your flow: Have a side hustle? Move income between accounts on your schedule.
Rapid Transfers carries a small fee** (up to 1.75% or a $0.50 minimum per transaction) for near-instant delivery*. We still offer free standard transfers through External Account Transfers which can take up to 3-5 to process. To send money to another person, we offer Pay a Person. 
 
Fees:
  • Incoming to MAX: 0.75% (minimum $0.50)
  • Outgoing from MAX: 1.75% (minimum $0.50)
Limits for eligible users are:
  • Up to $10,000 inbound per day
  • Up to $10,000 outbound per day

Most transfers are completed within minutes, typically 5-7 minutes. 


No, you are not able to schedule recurring transfers through Rapid Transfers. To set up a recurring transfer to an account at another institution you can set up an External Account Transfer.

No. Rapid Transfers is a true "me-to-me" service. The external debit card must belong to the member completing the transfer. 


Yes, provided the joint ownes name appears on the external debit card and the ownership information can be verified. 


No, once a transfer is submitted, it cannot be cancelled or reversed.

Checking and Share (Savings) accounts can be accessed to transfer money.

Not directly. Funds can be transferred into a MAX share or checking account and then transferred to the loan. 


No. Rapid Transfers is only available for domestic transactions and cannot be used to send or receive funds internationally. 


Never share your personal or financial account information with others. MAX will never contact you and ask for your account number, online banking username, password, or a one-time passcode.If you are ever unsure about the legitimacy of a call or text message, end the call or close the messaging app and contact MAX directly at 1.800.776.6776 (toll-free) or 334.260.2600 (local). If the call appeared to originate from MAX, do not redial the number that contacted you. Instead, type in the number as a new call. 
 
Refer to our Security Center for more tips to keep you and your accounts safe.

Stay Secure | Never share your personal or financial account information with others. MAX will never contact you and ask for your account number, online banking username, password, or a one-time passcode. We will never ask you to send money through Pay a Person.

Visit our Security Center for more tips to keep you and your accounts safe.
 
 
 
 
 

*Rapid transfers are typically completed within a few minutes but can take up to 48 hours.

**Small Fee and Near-Instant Delivery. There is a 1.75% fee ($0.50 minimum) when sending funds to an external account via debit card. Fees are not counted towards the daily limit. Daily limits are refreshed at 12:00 a.m. CT. Fund availability may vary depending on the receiving financial institution.

There is a 0.75% fee ($0.50 minimum) when pulling money from an external account via debit card. Fees are not counted towards the daily limit. Daily limits are refreshed at 12:00 a.m. CT. Fund availability may vary depending on the receiving financial institution.