MaxMoney Checking

An Account that Pays and Protects

MaxMoney goes beyond everyday banking—bringing together protection, rewards, and smart tools that are often paid for separately, all in one place.

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Account Costs

$9.95 monthly fee

$50 Minimum to open account

Security that Works Harder and Covers More

Stay protected with tools that help you watch your credit, detect potential fraud, and alert you if your personal information is found where it shouldn’t be.

Protect What’s Priceless: Your Identity

Identity theft can be hard to spot. MaxMoney combines dark web monitoring, which looks for signs your personal information may be exposed online, with identity theft protection and recovery support, including up to $25,000 to help cover eligible expenses if your identity is compromised.

Support and Protection for Everyday Life

Get peace of mind with benefits that support your health, safeguard your purchases, and provide added protection when life takes a turn.

Watch Your Credit Health

Easily monitor your credit score^{disclosure 2} to track progress over time, and get alerts whenever changes or suspicious activity appear on your credit file.

Shop with Added Protection

With Purchase Protection^{disclosure 1}, eligible items bought with your MaxMoney debit card may be replaced or reimbursed if stolen or damaged within 90 days, plus an extra year of warranty.

AD&D Insurance

Accidental Death Insurance^{disclosure 1} lets you add an extra layer of protection for your family if the unexpected happens.

Medical Discounts

24/7 nurse helpline access and savings on prescriptions, vision, and dental care^{disclosure 3} are available to help you with everyday health needs.

Turn Everyday Spending into Savings

Why just spend when you can save, too? With built-in rewards, you’ll get discounts at your favorite stores and quarterly cash back on everyday purchases like groceries and entertainment.

Cash Back Where You Already Shop

Shop through our portal^{disclosure 3,disclsoure 4} at thousands of retailers—including Target, Walmart, and Kohl’s—and you’ll get access to gift cards, special offers, and discounts^{disclosure 5}, plus cash back you can use however you want.

Money Back Every Quarter—Just for Shopping

Earn $20 back each quarter by submitting at least $200 in everyday purchases—groceries, household items, entertainment. With a joint account, both of you can earn $40 together.

Make Bill Payments Automatic

Not every bill comes with autopay. Schedule and send payments for those that don’t, so you can keep everything on track and focus on what matters most—free when enrolled in eStatements.

Banking Designed Around Your Everyday Needs

From getting paid early to smarter money tools, your account comes with everyday perks designed to save time, cut costs, and make managing life easier.

Nationwide ATM Access

Withdraw cash without fees at our ATMs or 40,000+ MoneyPass® locations, and we’ll reimburse other ATM fees^{disclosure 6} if no surcharge-free ATMs are nearby.

Choose How You Get Your Statements

Choose digital for speed, security, and less clutter—or paper if you prefer a traditional record in hand.

Get Paid Early

With direct deposit, you can opt in to get paid up to two days early^{disclosure 7}. Turn it on when it works for you.

Free Standard Checks

Order checks anytime with no fees, making it easy to pay bills or send money your way.

Free Money Orders

Access money orders with no fees, making it easy to pay bills or send guaranteed funds when needed.

Show off Your Style or Team Spirit

Choose from a variety of debit card designs, with select layouts in horizontal or vertical formats — plus sports team cards, some offering exclusive perks.

Build Savings with Everyday Spending

If you also have a SaveUp savings account with us, you can round up debit purchases or choose a set amount to move into savings with every transaction—making it easier to build savings without changing how you spend.

Explore RoundUp View SaveUp Savings

Disclosures and Information

Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefits and/or insurance documents provided at the time of account opening for complete details of coverage and exclusions.Back to content
You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on Experian data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.Back to content
Registration/activation required.Back to content
Available via mobile or web only.Back to content
Additional terms, conditions and exclusions apply and are subject to change.Back to content
Must submit the other bank’s ATM receipts to any teller or customer service representative within 60 days of a transaction. ATM refund will be limited to $10 per receipt with a maximum of $25 per statement cycle.Back to content
Early availability is not guaranteed and may vary between deposits and may depend on instructions sent by the payer or any limitations we set. Not all direct deposits qualify. Available for eligible accounts: MaxMoney, MyChoice, World, World Elite, and Preferred Interest. Enrollment is required. See our Early Direct Deposit Agreement for more details.Back to content

This card is issued by The Central Trust Bank pursuant to a license by Mastercard® International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Subject to credit approval.