Your Security Comes First

We’ve designed and constructed our system from the ground up to help keep your data and accounts safe and secure. We worked with leading experts in software security and cryptography in the design and implementation of Max, using the same firm that consults for leading global banks. Your Max account is also protected by multi-factor authentication.

Max uses APIs or your bank login credentials to create an encrypted connection between Max and your banks. This allows our computers to check your account balances, determine an optimal cash allocation, and send your funds transfer instructions to your banks so they can transfer your cash between your accounts on your behalf, all while protecting the security of your financial accounts.

Fraud Protection

As a member of Max, you can rest easy knowing that your cash is held directly, in your name, in accounts at the nation’s leading traditional and online banks of your choosing. Each bank account linked to Max is insured via FDIC deposit insurance (up to $250,000 per depositor, per ownership category at each bank) provided directly by each bank. Max never takes custody of your funds, and is only capable of sending your funds transfer instructions to your banks on your behalf so they can transfer cash between your own accounts, along paths that you have personally authorized. The rules governing these funds transfers provide that unauthorized transfers from consumer accounts can be reversed so long as they are reported to your bank in a timely manner. That means even in the unlikely event of a data breach, fraudulent transfers from a consumer account can be reversed, helping keep your cash safe.

We Don’t Sell Your Name…

or address, or phone number or email, or other personal information. Many web-based businesses offer the world for free, only to sell your private information behind your back. At Max, we charge you a fee for service so that we can keep your identity and other personal information private.