Maximizing Your Cash with Max My Interest

Maximizing Your Cash with Max My Interest

Many investors and savers keep significant cash balances outside their brokerage accounts—often in traditional savings accounts earning little interest and, in some cases, exceeding FDIC insurance limits. If you’re looking for a smarter, more efficient way to manage your cash, Max My Interest (“Max”) offers a compelling solution.

What Is Max My Interest?

Max is an intelligent cash management service that helps you earn higher yields on your cash while maximizing FDIC insurance coverage—all without sacrificing liquidity or switching banks. With Max, you can:

• Earn Market-Leading Rates: As of May 2025, Max members can access yields up to 4.05% APY, dramatically higher than the national savings average of 0.41%.

• Increase FDIC Insurance: By spreading your cash across multiple high-yield savings accounts at different banks, Max can help individuals insure up to $1.75 million and joint account holders up to $3.5 million per Max account—potentially even more with additional account structures.

• Maintain Full Control and Liquidity: Your funds remain in your own bank accounts, accessible at any time. Max never takes custody of your money, and you can move or withdraw funds directly whenever you need.

How Does Max Work?

• Seamless Setup: Link your existing checking account and, through a single application, open high-yield online savings accounts at leading FDIC-insured banks.

• Automated Optimization: Max monitors interest rates daily and, each month, helps you allocate your cash to the highest-yielding accounts while keeping balances below FDIC insurance limits.

• Unified Dashboard: View all your balances and request transfers with one click from any device.

• Security: Max employs robust security protocols and never takes custody of your funds, ensuring your privacy and safety.

Who Can Benefit?

Max is designed for individuals, couples, trusts, and even those with large cash balances—there’s no minimum to get started, and the platform can optimize anywhere from $50,000 to $5 million or more. It’s especially valuable for those who want to:

• Earn more on idle cash without the hassle of chasing rates or opening multiple accounts manually.

• Ensure full FDIC insurance for large balances.

• Maintain liquidity and flexibility.

What Does It Cost?

Max charges just 0.04% per quarter (16 basis points per year) for the service. This fee covers access to preferential rates, automated account rebalancing, and consolidated year-end tax reporting.

Why Consider Max?

• Higher Yields: Over 10 years, Max’s net yield can result in significantly higher balances compared to the national average, potentially adding over $100,000 in interest on a $250,000 balance.

• Peace of Mind: Increased FDIC coverage and automated rate optimization mean your cash is both protected and productive.

• No Disruption: You keep your existing bank relationships and have full access to your funds at all times.

Max is just one of several strategies available to help investors and savers earn more on their cash. To explore whether Max or other cash management solutions are right for you, contact Sterling Edge Financial for a personalized consultation.

Learn more or get started with Max My Interest through our partner link.

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Disclosure:

Past performance is no guarantee of future results. The information provided herein is for educational and illustrative purposes only and should not be interpreted as investment advice, a recommendation, or a forecast of future performance. Investing involves risk, including the potential loss of principal. No strategy can ensure success or protect against loss in all market conditions. Clients should consider their individual objectives, risk tolerance, and financial situation before making investment decisions. Please consult with a qualified financial professional before acting on any information contained in this material.