MaxMyInterest
Max (formerly MaxMyInterest) is a patented cash management platform that allocates individual and advisor client funds across a network of FDIC-insured partner banks to maximize yield and FDIC coverage, serving affluent individuals, RIAs, and businesses in the United States.
- Company typePrivate
- Founded2013
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What MaxMyInterest does
Max (formerly MaxMyInterest), operated by Six Trees Capital LLC, is a private cash management platform founded in 2013 by Gary Zimmerman. The company links individual investors, financial advisors, and businesses to a network of FDIC-insured partner banks and uses a patented optimization algorithm to allocate cash across multiple high-yield savings accounts, running monthly rebalancing to maximize interest earnings while keeping each balance within FDIC insurance limits. Its core product suite includes the Max Common Application (multi-bank account opening in roughly 60 seconds), Intelligent Funds Transfer, Max Checking (powered by Customers Bank), Multi-Bank Goal Tracking, Consolidated 1099-INT Reporting, and the Advisor Dashboard; in February 2026 Max launched Max Private, a private banking and lending extension (private mortgage, securities-based lending, art/yacht loans, trust banking) offering FDIC coverage up to $50 million per client for large RIAs.
Max monetizes through a 16 basis-point annual fee on member Linked Savings Account balances, billed quarterly at 0.04%, with a $20/quarter minimum for members without an affiliated financial advisor; clients retain 100% of interest income and the service is free to advisors. The company operates a multi-channel go-to-market: self-serve consumer onboarding (5–10 minutes), enterprise advisor sales through a dedicated dashboard, fintech channel integrations with RightCapital, eMoney Advisor, Wealthbox, and Redtail, and Program Bank partnerships with Quontic, Veritex, and Customers Bank. The platform is protected by six granted U.S. patents covering allocation, common application, and intelligent funds transfer, and is supported by earned media in WSJ, FT, CNBC, Forbes, Morningstar, and The Economist.
Max is a founder-led, bootstrapped, privately held Delaware LLC headquartered operationally in Portsmouth, NH; it employs 1–10 people, has no disclosed institutional funding, and serves a horizontal mix of individual investors, RIAs, businesses, and partner banks primarily within the United States.
MaxMyInterest firmographics
Firmographics- Name
- MaxMyInterest
- Legal name
- Six Trees Capital LLC
- Website
- https://maxmyinterest.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Max (formerly MaxMyInterest) is a patented cash management platform that allocates individual and advisor client funds across a network of FDIC-insured partner banks to maximize yield and FDIC coverage, serving affluent individuals, RIAs, and businesses in the United States.
- Ownership category
- akta.pro rank
MaxMyInterest industry classification
Industry- Product category
- Cash Management Platform
- NAICS
- Custom Computer Programming Services (541511)
- SIC
- Finance Services (6199), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)
- akta.pro secondary industries
- Liquidity & Cash Concentration (Sweeping, pooling, notional pooling) (FSABAIAC), Digital/Hybrid Private Wealth (Robo-Enabled HNW Service) (FSAAABAO)
Keywords
Where MaxMyInterest is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
MaxMyInterest business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- Membership Fee: Max charges a quarterly membership fee calculated as the product of total balances in Linked Savings Accounts multiplied by 16 basis points (0.16%) per year, billed quarterly at 0.04% per quarter. Subject to a minimum fee of $20 per quarter for members without linked financial advisors. The fee covers the optimization algorithm, dashboard access, fund transfer instructions, and consolidated tax reporting. Clients receive 100% of interest income earned directly from each bank.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Quarterly | Standard membership with quarterly fee based on savings balance |
| Subscription | Monthly | Max Checking central account |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels7 records
MaxMyInterest product offering
Product offeringCore offering
MaxMyInterest (operating as Max) is an intelligent cash management platform that allocates client cash across a curated network of FDIC-insured online banks to maximize interest income while preserving FDIC coverage and same-day liquidity. A proprietary optimization algorithm monitors daily interest rates and runs monthly rebalancing, while the patented Max Common Application enables clients to open multiple high-yield savings accounts in as little as 60 seconds. The service is delivered to individual investors (self-serve), financial advisors/RIAs (via the Advisor Dashboard), and businesses, with Max Private extending the offering to large advisory firms.
Product overview
Max (formerly MaxMyInterest) operates as a unified cash management platform that connects users to a network of FDIC-insured online banks. The core Max platform uses a proprietary optimization algorithm to allocate cash across multiple linked bank accounts to maximize interest earnings while maintaining FDIC insurance coverage. The ecosystem includes Max Checking (central checking account), Max Common Application (multi-bank account opening), Intelligent Funds Transfer (on-demand transfers), and Consolidated Tax Reporting. For advisors, the Max Advisor Dashboard provides read-only client account visibility. The Max Private add-on extends the platform with private banking and lending capabilities for large RIAs. The company serves individuals, advisors, businesses, and banks through these integrated modules.
Differentiator
Problem solved
Functional benefit
Brands
- Max Private: A new suite of private banking and lending capabilities designed for large registered investment advisors (RIAs) and high-growth advisory firms, including bespoke lending products and FDIC coverage up to $50 million per client.
Products and services
- Max (Cash Management Platform) Intelligent cash management platform that helps individuals and financial advisors optimize cash across multiple FDIC-insured online bank accounts to earn market-leading interest rates (up to 3.57% APY) while maintaining expanded FDIC insurance coverage (up to $2M per individual, $8M per couple). The platform monitors interest rates daily and proposes monthly optimizations to allocate funds to the highest-yielding accounts.
- Max Private Suite of private banking and lending capabilities designed for large RIAs and high-growth advisory firms. Includes bespoke lending products (private mortgage, securities-based lending, art loans, yacht loans, trust banking), cash optimization with FDIC coverage up to $50 million per client, integrations with leading CRMs and planning platforms, and custom-branded client experiences.
- Max Checking Central checking account powered by Customers Bank that opens instantly during Max enrollment. Offers 0.20% APY, same-day ACH transfers, free domestic wire transfers, and no monthly fee, connecting the client's existing bank and brokerage accounts to Max's network of high-yield savings accounts.
- Max Advisor Dashboard Advisor-facing portal that provides financial advisors and RIAs with read-only access to clients' Max accounts, including balances, optimization status, and 1099-INT statements. Enables advisors to help clients optimize held-away cash, discover assets, and grow AUM.
Quantifiable outcome
- Clients can earn up to 3.57% APY on deposits through Max's network of high-yield online banks
- +3 more outcomes
Companies that use MaxMyInterest
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles5 records
MaxMyInterest technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability2 records
Feature6 records
MaxMyInterest partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and supporting.
- Silver Oak SecuritiescoreSilver Oak Securities selected Max as its home office solution for held-away cash management. This partnership enables Silver Oak's advisors to offer clients Max's cash optimization platform, helping them earn higher yields while maintaining FDIC insurance coverage.
- RightCapitalcoreIntegration allows advisors to access Max's cash management data directly within client financial plans created in RightCapital's planning platform, providing seamless workflow for advisors.
- Veritex Community BanksupportingVeritex Community Bank partnered with Max to offer FDIC-insured high-yield savings accounts to Max members, expanding the bank's deposit base through the platform.
- eMoney AdvisorcoreeMoney Advisor added support for Max, enabling advisors to deliver market-leading rates on FDIC-insured deposits within their financial planning workflows.
- WealthboxcoreIntegration with Wealthbox CRM allows advisors to access Max data and invite clients to join Max directly through the CRM platform.
- American Deposit Management Co.supportingPartnership to serve clients with complex needs including businesses, non-profits, and complex trusts requiring extended FDIC insurance beyond individual account limits.
- Customers BankcoreCustomers Bank powers Max Checking, the integrated central checking account that offers 0.20% APY, same-day ACH transfers, and free domestic wire transfers.
- Quontic BanksupportingQuontic Bank participates as a Program Bank on Max's platform, offering high-yield savings accounts. Quontic stated Max helps attract affluent customer relationships and stable deposits.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
MaxMyInterest competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
MaxMyInterest social profiles
Digital presenceMaxMyInterest compliance and trust
Trust signalCompliance2 records
MaxMyInterest financial estimates
Financial estimateRevenue estimate
Valuation estimate
MaxMyInterest leadership team
Management profileNumber of profiles
Profiles2 records
MaxMyInterest funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MaxMyInterest M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MaxMyInterest
What does MaxMyInterest do?
MaxMyInterest (operating as Max) is an intelligent cash management platform that allocates client cash across a curated network of FDIC-insured online banks to maximize interest income while preserving FDIC coverage and same-day liquidity. A proprietary optimization algorithm monitors daily interest rates and runs monthly rebalancing, while the patented Max Common Application enables clients to open multiple high-yield savings accounts in as little as 60 seconds. The service is delivered to individual investors (self-serve), financial advisors/RIAs (via the Advisor Dashboard), and businesses, with Max Private extending the offering to large advisory firms.
Is MaxMyInterest a public or private company?
MaxMyInterest is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was MaxMyInterest founded?
MaxMyInterest was founded in 2013. It employs 1 to 10 people.
Where is MaxMyInterest based?
MaxMyInterest is headquartered in New York, United States, in the North America region.
How does MaxMyInterest make money?
One revenue line is on record: membership Fee.
Does MaxMyInterest have an API?
No public API is recorded for MaxMyInterest.
What industry is MaxMyInterest in?
MaxMyInterest's product category is Cash Management Platform. Its primary akta.pro industry code is FSAGAHAE, Pricing, Risk-Based Offer & Limit Management, with a secondary code of FSABAIAC, Liquidity & Cash Concentration (Sweeping, pooling, notional pooling). Its NAICS code is 541511 and its SIC code is 6199.