Max-Rate Checking

Enjoy flexibility, convenience, and banking on your terms

  • Free online bill pay services
  • Free, unlimited ATM fee refunds1
  • Online images of cleared and deposited checks
  • Convenient online and mobile banking
  • See all rates and fees

0.05% APY2

for accounts with $0+


minimum initial deposit

Flexible employer contributions- image

Getting started

Any U.S. residents, 18 years or older, with a valid Social Security number can
apply online

Easy set up and administration - image

Account minimums

Get started with a required $100 initial deposit. Avoid a fee with a $5,000 average monthly balance.

Tax deduction on contributions - image

Convenient online banking 

Access your money anytime, anywhere and easily move money between E*TRADE accounts or other financial institutions with our Transfer Money service3

Full Range of Investment Choices - image

FDIC insurance

Max-Rate checking accounts are insured by the FDIC to at least $250,000

FDIC Insured
Bank deposits insured to at least $250,000 Learn more