Max Account Details | IN MI Max Checking Account

A great checking account for savers, planners, or members that tend to keep higher balances in their accounts.

Benefits:

Earn 3% APY (up to $10,000 balance)
Receive 0.35% on every purchase made with your Everwise Debit Mastercard^®. ²
Up to four non-Everwise ATM fees waived per month. ⁴

Account Requirements:

Everwise membership is required.
Your $20 monthly account fee can be waived with $4,000 in average monthly balance or electronic deposits.

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Best for	Everyday spenders, those new to banking, and anyone who wants a stress-free banking option	Busy professionals, frequent cash users, or those looking for added perks	Savers, planners, or members that tend to keep higher balances in their accounts
Monthly fee¹	$0	$0 or $10	$0 or $20
Monthly fee waiver		Waived with $2,000 in average monthly balance or $2,000 in electronic deposits	Waived with $4,000 in average monthly balance or $4,000 in electronic deposits
Minimum to open	$0	$0	$0
Cash back on debit card purchases²	0.25%	0.35%	0.35%
Get paid up to 2-days earlier³	None	Yes	Yes
Everwise fee waiver at non-Everwise ATMs⁴	None	Two (2) per month	Four (4) per month
Dividends on balances	None	None	3.00% APY on balances up to $10,000
Free check orders⁵		Up to 1 check order per year	Up to 2 check orders per year

Max Checking Dividend Rates

Balance Required to Earn Dividends	Rate	APY*
Up to $10,000	2.96%	3.00%
Greater than $10,000	0.10%	0.10%

Membership Eligibility:

Anyone that lives or works in the Indiana or Michigan counties or townships we serve is eligible for membership. See details below.
Immediate family member of an existing Everwise Credit Union member. See details below.

Indiana Eligibility:

All Indiana counties, except Marion County, which goes by township. OR
Immediate family member is an existing Everwise Credit Union member. Immediate family members are defined as parents, spouse, children, step/adopted/foster children, brothers, sisters, aunts/uncles, nieces/nephews, grandparents, grandchildren, father/mother-in-law, son/daughter-in-law, and brother/sister-in-law.

Michigan Eligibility:

Live in Berrien and Cass Counties in Michigan. Townships in Oakland & Macomb Counties: Bloomfield, West Bloomfield, Commerce, Clinton, and Macomb townships. OR
Immediate family member - parent, child, or sibling - who lives in the same household as an existing Everwise Credit Union member. Immediate family members are defined by blood or marriage and include father, mother, son, daughter, brother, sister, or spouse. OR
Nonfamily member who is a dependent of the member according to tax filings and lives in the same household.

Subject to membership eligibility requirements.

Subject to membership eligibility requirements. All credit union programs, rates, terms and conditions are subject to change without notice.

* APY = Annual Percentage Yield. APY(s) accurate as of last dividend declaration date.

¹ Account fees: Simply Checking: No monthly account fee. Plus Checking: $10 monthly account fee, waived with $2,000 in electronic deposits or an average balance of $2,000 per month. Max Checking: $20 monthly account fee, waived with $4,000 in electronic deposits or an average balance of $4,000 per month.

² Debit card rebate: Earn 0.25% cash back (Simply Checking) or 0.35% cash back (Plus and Max Checking) on purchases made with your Everwise Debit Mastercard. Rebates are redeemable once the total reaches $30 within the calendar year, with a maximum of $5,000 per year. After 8/1/2025 the total reduces to $10 to redeem rebate. ATM transactions and cash advances are not eligible for cash back.

Platinum Debit Mastercard Guide to Benefits

³ Early Pay: Simply, Plus, and Max checking accounts may receive certain ACH credit transactions, up to two days prior to the final scheduled settlement date. Early availability is considered provisional credit, is not guaranteed by any specific time of day, and depends on submission by the payor, fraud prevention checks, and account limits. Early Pay is not a guaranteed service.

⁴ ATM fee waivers: Everwise members have access to surcharge-free Alliance One and CO-OP ATMs nationwide. A $2.50 out-of-network (foreign) fee is applied by Everwise to transactions at non-Everwise ATMs. Everwise waives this fee for Alliance One and CO-OP network transactions made within Indiana. Plus Checking: up to two Everwise fees waived per month at out-of-network ATMs. Max Checking: up to four Everwise fees waived per month at out-of-network ATMs.

⁵ Checks: Plus Checking: Up to one order of custom Everwise checks is free per calendar year. Max Checking: Up to two orders of custom Everwise checks is free per calendar year.

Max Checking Details

Benefits:

Account Requirements:

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Max Checking Dividend Rates

See membership eligibility requirements.