Max Cash Checking

Max Cash Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. At least 1 ACH payment or credit transaction, 12 debit card purchases & be enrolled in e-statements. The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by First Lonestar Bank as ATM transactions, and purchases made with debit cards not issued by First Lonestar Bank bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means the current statement cycle. Contact an FLB Associate for specific Monthly Qualification Cycle dates.

Reward and Rate Information: This is a variable rate account. The interest rate and annual percentage yield may change. The interest rate is determined at our discretion and we may change the interest rate on your account at any time, without any limitations, and without notice to you.

When your Max Cash account qualifications are met during a Monthly Qualification Cycle daily balances up to and including $24,999.99 in your Max Cash account earn an interest rate of 4.97% resulting in a non-compounding APY* of 5.10%; and daily balances over $24,999.99 earn an interest rate of 0.50% on the portion of the daily balance over $24,999.99, resulting in a non-compounding range of 5.10% to 1.42% APY* depending on the account’s daily balance.

When Max Cash qualifications are not met during a Monthly Qualification Cycle, the interest rate earned on the entire daily balance in the account will be 0.05% resulting in a non-compounding APY* of 0.05%;

You will also receive reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees incurred within your Max Cash account during that Monthly Qualification Cycle.

We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Max Cash, and Max Cash Back transactions via ATM.

When your Max Cash account qualifications are not met, ATM withdrawal fees are not refunded.

Nationwide ATM withdrawal fee reimbursements will be credited to your Max Cash account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

*When linked, interest in Max Cash does not compound because it is automatically transferred to the Max Saver account within one day. Note: Automatic transfer may cause an overdraft to your Max Cash account if the account’s balance is less than the transferred amount when transfer occurs.

Online banking service MyBanker™ included. MyE-Docs™ electronic statements included. An overdraft fee applies to overdrafts created by check, in person withdrawals and electronic means. Inadvertent overdrafts caused by ATM and one time debit card transactions are excluded.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. One (1) Max Cash account per household. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact an FLB Associate for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.