What you get
- Interest paid on the full balance, credited monthly
- Unlimited ATM fee refunds worldwide
- Mobile check deposit, bill pay and external transfers
- Instant card lock, travel notices and transaction alerts
Checking
Everyday checking that still earns interest
Max-Rate Checking combines interest on every dollar with unlimited ATM fee refunds nationwide, mobile check deposit, bill pay and a debit card — with no monthly fee and no minimum balance.
Eligibility
- Individuals age 18 or older with a valid Social Security number or TIN
- US residential address and US tax residency
- Identity verification required under federal customer identification rules
- Available as an individual or joint account
Fees and limits
| Item | Amount |
|---|---|
| Monthly maintenance fee | $0 |
| Minimum balance | $0 |
| ATM fees (domestic and international) | Unlimited refunds |
| Outgoing domestic wire | $25 |
| Returned item / overdraft | $0 (transactions are declined instead) |
| Stop payment | $25 |
Current banking rates
All VaultX Private Bank deposit and lending tiers, refreshed live.
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Rates refresh automatically every 30 seconds and are illustrative for this demonstration application. Sort any column by selecting its heading.
Important disclosures
Checking and Max-Rate Checking deposits are insured to at least $250,000 per depositor, per ownership category.
Rates and fees are illustrative for this demonstration application and may change at any time.
Banking products and services are provided by VaultX Private Bank, National Association, Member FDIC. Equal Housing Lender.
Investing
Investment Products
Not FDIC InsuredNo Bank GuaranteeMay Lose Value
Securities in your account protected up to $500,000, including $250,000 for claims for cash. For details, see the investor protection corporation's coverage summary.
Banking
Banking Products
FDIC InsuredBank Guarantee
FDIC Insured — backed by the full faith and credit of the United States Government. VaultX Private Bank, N.A. is an Equal Housing Lender.