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MaxMyInterest review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

MaxMyInterest suits savers in the US who want spare cash to earn interest without moving it out of the bank accounts they already hold. The balance stays in those own accounts with same-day access, an account can start at a minimum deposit of $0, and you can cancel at any time.

Key facts

Best for
Earning interest on spare cash in accounts you already hold.
Headline rate
3.86%↗
Rate type
Variable↗
Minimum deposit
$0↗
Access terms
Cash stays in own FDIC-insured accounts with same-day access; ACH transfers 1-2 business days; cancel any time↗
Account kind
Cash management↗
Legal entity
Six Trees Capital LLC↗
Headquarters
United States↗
Founded
2013↗
Support channels
Email, Help-centre↗
Pricing model
No monthly fee
Official website
maxmyinterest.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Cash stays in your own FDIC-insured accounts, so the balance is not handed over to a new institution.
  • Same-day access to the cash already in those accounts, and cancelling is possible at any time.
  • The account is cash management by setup, so it suits money that has to stay reachable.

Cons

  • The rate type is variable, so the headline figure can move during the life of the account.
  • Phone is not among its support channels (email and help centre), so a stalled transfer goes by email or the help centre.
  • Access terms put ACH transfers through a short clearing window, so cash moving in or out takes a little time.
MaxMyInterest

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • You hold most of your money in the US and want it to earn interest while staying put.
  • You would rather sweep idle cash into accounts you already have than open a new one.
  • You put a value on a simple setup and can live with a rate that moves.

Who should look elsewhere

  • You need phone support, which bunq and Wise can offer while MaxMyInterest runs on email and help centre.
  • You want a rate that stays put for a term, and MaxMyInterest pays a variable rate that can move.
  • You are based in the UK or Europe and need local payment rails, since money moves here by ACH.

How it compares on our data

On headline rate, MaxMyInterest ranks 171 out of 488 brands, which is a middling spot in the field. Minimum deposit tells a different story at 1 out of 379, so the lowest way in is the strongest part of this profile and matters more for small savers than a higher rate would.

How MaxMyInterest compares

Where MaxMyInterest is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is there a monthly fee on a MaxMyInterest account?+

The account is no monthly fee, so nothing is taken out each month and the full 3.86% is left with you. A monthly charge is not what erodes a savings balance, so the rate itself is the thing to watch here.

How much do I need to put in to start?+

The minimum deposit is $0, so an account can be opened without tying up cash first. It ranks 1 out of 379 on that measure, and the setup is cash management rather than a term product.

Is my money safe with MaxMyInterest?+

Cash stays in your own FDIC-insured accounts, which is the key point about safety here. The balance sits with banks you already hold accounts with rather than being handed to a new institution, and same-day access applies to the cash in those accounts.

Can I get the money out quickly?+

Cash already in the accounts is reachable the same day, which covers most short notice needs. Money moving in or out runs by ACH, and the access terms set a short clearing window, so plan a withdrawal rather than assuming it is instant.

What happens to the interest rate?+

The rate is variable, which means it can rise or fall rather than staying put for a set period. The current level is 3.86%. If you need a rate that will not change over a term, this account is the wrong shape and a fixed product suits you better.

How do I get help if something goes wrong?+

Support runs on email and help centre, and phone is not among those channels. Questions go by email or through the help centre, so it helps to keep your own bank details to hand while the money sits in your accounts.

Who is MaxMyInterest aimed at?+

It is a US operation, with headquarters in the US and the legal entity given as Six Trees Capital LLC in the terms. It was founded in 2013. The audience is people with spare cash already sitting in a US bank account who want it to earn something without moving it.

How does it compare with Wise or bunq?+

On headline rate it pays 3.86%, where Wise pays 3.29% and bunq pays 3.01%. MaxMyInterest is set up as cash management, and its headline figure moves with the market rather than holding for a term. Pick on the rate you are shown today and how quickly you want the cash back.

Sources

  • maxmyinterest.com checked September 26, 2026

    Backs: Rate type

    “Our patented approach allows you to earn more on your cash even as rates shift”

  • maxmyinterest.com/contact-us checked September 26, 2026

    Backs: Headquarters, Support channels

    “Six Trees Capital LLC, 36 Maplewood Ave, Portsmouth, NH 03801”

  • maxmyinterest.com/faq checked September 26, 2026

    Backs: Account kind, Founded, Headline rate, Minimum deposit

    “Max is an intelligent cash management service designed to help you earn higher yields without sacrificing safety or liquidity.”

  • maxmyinterest.com/individuals checked September 26, 2026

    Backs: Access terms, Pricing model

    “your cash will always be liquid and held directly in your own FDIC-insured bank accounts; you may cancel at any time”

  • maxmyinterest.com/terms-of-use checked September 26, 2026

    Backs: Legal entity

    “Six Trees Capital LLC (herein referred to as "Max") operates an online cash management communications platform at www.maxmyinterest.com”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Deposit protection.

MaxMyInterest

MaxMyInterest

Earning interest on spare cash in accounts you already hold.

9.0/10See alternatives