MaxMyInterest
A United States fintech platform that helps individuals, financial advisers, and businesses optimize returns on cash held in FDIC-insured bank accounts.
Last updated August 31, 2026
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Overview
MaxMyInterest, commonly shortened to Max, is a United States financial-technology service operated by Six Trees Capital LLC. The platform is designed to help customers earn competitive interest on cash while keeping deposits within the limits of federal deposit insurance. Rather than functioning as a conventional bank, Max provides software and account-management services that allocate a customer's cash among participating bank accounts held in the customer's own name. The business was established in 2013 by Gary E. Zimmerman, a former Citigroup investment banker, and is headquartered in New York City. Its core proposition addresses a recurring problem for individuals and advisers: cash can remain concentrated in low-yield checking or savings accounts even when higher rates are available elsewhere. Max automates or facilitates the movement of funds among eligible accounts so that customers can pursue higher yields without manually comparing institutions and transferring money themselves. The service is aimed at maintaining liquidity and deposit-insurance eligibility rather than exposing cash to market investments such as equities or bond funds. Max launched its service in April 2014. During 2015 it participated in the FinTech Innovation Lab, an accelerator operated by the Partnership Fund for New York City and Accenture, and presented at the program's Demo Day in June. In October of that year, the company expanded beyond individual users by partnering with The American Deposit Management Co. to offer cash-optimization services to businesses seeking higher returns on FDIC-insured deposits. Max also received a UBS Future of Finance Acceleration Award in December 2015. The platform subsequently broadened its usefulness for wealth-management professionals. In January 2016, Max introduced the Max Advisor Dashboard, allowing financial advisers to supervise and administer clients' Max accounts. In July 2018, Dynasty Financial Partners added Max as a cash option for its clients, indicating that the service was being incorporated into adviser and wealth-management operating models rather than used only as a direct-to-consumer tool. Max also developed banking-related products and integrations. In November 2018, it worked with Radius Bank on a process intended to open accounts in approximately 60 seconds. In September 2019, the two companies introduced Max Checking, described as a checking product with no fee, no minimum balance, free worldwide ATM access, and a stated 1% annual percentage yield. The platform's reported yield reached 2.46% in January 2019, although rates are variable and depend on market conditions and the available banking arrangements. The brand's positioning sits between personal-finance software, deposit brokerage or cash-management services, and adviser technology. Its principal differentiation is the combination of yield monitoring, cash distribution across banks, liquidity, and attention to FDIC-insurance limits. The service has served individuals, financial advisers, and businesses, with partnerships helping extend its reach through financial institutions and wealth-management firms. Publicly available reference material does not establish a separate parent company, public listing, ticker symbol, or detailed current executive roster beyond the company's founder and operator.
History
MaxMyInterest is the consumer-facing brand of a fintech service operated by Six Trees Capital LLC. The operator was founded in 2013 in New York City by Gary E. Zimmerman, a former Citigroup investment banker. The company was created around the premise that customers could improve the return on idle cash by distributing funds among bank accounts offering different interest rates, while remaining attentive to the applicable limits of federal deposit insurance. The Max service launched in April 2014. Its model was not based on investing customer money in market securities; instead, it used software and banking relationships to help allocate cash across deposit accounts. This made the service relevant to people who wanted a liquid cash position but did not want to leave all of their funds in a single low-yield account. The platform was also designed for financial advisers, who could use it as part of their clients' cash-management arrangements. In spring 2015, Max participated in the FinTech Innovation Lab, a New York fintech accelerator run by the Partnership Fund for New York City and Accenture. The company presented at the Lab's Demo Day in June. Later in 2015, Max expanded its target customer base. In October, it began providing services to businesses seeking better returns on FDIC-insured cash through a partnership with The American Deposit Management Co. of Delafield, Wisconsin. In December, Max won a UBS Future of Finance Acceleration Award. The company developed dedicated adviser infrastructure in January 2016 with the launch of the Max Advisor Dashboard. The dashboard allowed financial advisers to oversee client Max accounts, supporting the brand's movement into professional wealth-management workflows. In July 2018, Dynasty Financial Partners added Max as a cash option for its clients, providing a distribution relationship within the independent wealth-management sector. Max's banking capabilities also evolved through its relationship with Radius Bank. In November 2018, the companies announced an account-opening process intended to take about 60 seconds. In September 2019, they launched Max Checking, described as a checking account with no fees, no minimum balance, free worldwide ATM access, and a 1% APY. A separate milestone reported in January 2019 stated that the platform's yield had reached 2.46%. Because deposit yields change over time, that figure should be treated as a historical rate rather than a permanent product characteristic. The available reference material describes MaxMyInterest as an active United States fintech service, but does not provide a full current executive list, ownership structure beyond operation by Six Trees Capital LLC, current product availability, or audited financial data. No public stock listing or ticker is identified. Its historical development shows a progression from a consumer cash-optimization service to a broader platform serving individuals, advisers, and businesses through bank and wealth-management partnerships.
- 2019
Historical platform yield reaches 2.46%
[1]The platform's reported yield reached 2.46% in January.
- 2019
Max Checking launches
[1]Max and Radius Bank launched Max Checking, described as a no-fee checking product with no minimum balance and free worldwide ATM access.
- 2018
Dynasty Financial Partners adopts Max as a cash option
[1]Dynasty Financial Partners added Max as a cash option for its clients.
- 2018
Rapid account-opening process announced
[1]Max and Radius Bank announced a process intended to open accounts in approximately 60 seconds.
- 2016
Max Advisor Dashboard launches
[1]Max introduced a dashboard that enabled advisers to supervise clients' Max accounts.
- 2015
Participation in FinTech Innovation Lab
[1]Max participated in the FinTech Innovation Lab and presented at its June Demo Day.
- 2015
Business cash services begin
[1]Max began serving businesses seeking higher returns on FDIC-insured cash through a partnership with The American Deposit Management Co.
- 2015
UBS Future of Finance Acceleration Award
[1]Max won a UBS Future of Finance Acceleration Award in December.
- 2014
Max service launches
[1]The Max cash-management service launched in April.
- 2013
Six Trees Capital is founded
[1]Six Trees Capital LLC was founded in New York City by former Citigroup investment banker Gary E. Zimmerman.
Products and positioning
A fintech cash-management service focused on helping customers improve returns on liquid cash through allocation among FDIC-insured bank accounts, with tools for individuals, advisers, and businesses.
Cash management · 2014
Max cash optimization platform
The core Max service helps allocate an individual's cash among the customer's bank accounts with the aim of improving interest earnings while keeping deposits within applicable FDIC-insurance limits. It is intended for liquid cash rather than market-based investment assets and can be used by individuals and their financial advisers.
Advisor technology · 2016
Max Advisor Dashboard
Introduced in January 2016, the Max Advisor Dashboard provides financial advisers with a way to oversee clients' Max accounts. The product extends Max from a direct cash-management service into a workflow tool for professional wealth managers and supports adviser involvement in client cash allocation.
Business deposits · 2015
Business cash optimization
Max began offering business-focused services in October 2015 through a partnership with The American Deposit Management Co. The offering was intended to help businesses seek better returns on FDIC-insured cash while retaining the characteristics of deposit-based liquidity.
Checking account · 2019
Max Checking
Launched with Radius Bank in September 2019, Max Checking was described as a checking product with no fees, no minimum balance, free worldwide ATM access, and a stated 1% APY. The cited historical description does not establish the product's current availability or terms.
Brand decisions
2019
Launch of Max CheckingProduct launchBackground
Max extended its cash-management proposition into a checking product intended to combine deposit yield with everyday account access.
Action taken
In September 2019, Max and Radius Bank launched Max Checking with the stated features of no fees, no minimum balance, free worldwide ATM access, and 1% APY.
Aftermath
The launch expanded Max's offering beyond cash allocation, although later product status and terms are not established by the cited material.
2018
Rapid account opening with Radius BankProduct launchBackground
Max sought to reduce friction in the process of establishing banking arrangements for customers.
Action taken
Max and Radius Bank introduced an account-opening process advertised as taking approximately 60 seconds.
Aftermath
The partnership connected Max's cash-management software with a faster account-opening experience.
2016
Launch of the Max Advisor DashboardProduct launchBackground
Financial advisers needed a way to manage or monitor Max accounts belonging to their clients.
Action taken
Max launched the Max Advisor Dashboard in January 2016.
Aftermath
The product supported Max's expansion into adviser-led wealth-management relationships.
2015
Expansion into business cash managementStrategyBackground
The original service focused on helping individuals optimize returns on cash. Max identified businesses with FDIC-insured cash as an additional customer group.
Action taken
In October 2015, Max partnered with The American Deposit Management Co. to offer cash-optimization services to businesses.
Aftermath
The move broadened Max's customer scope beyond individuals and advisers, although the available material does not provide subsequent business-level performance data.
Recent events
- 2019
Max reports a 2.46% platform yield[1]
Pricing
The yield reported for the platform reached 2.46% in January 2019. The reference material does not provide a separate source URL or further methodology for the figure.
- 2019
Max and Radius Bank launch Max Checking[1]
Product launch
The companies launched Max Checking in September, describing it as a no-fee, no-minimum-balance checking product with free ATM access worldwide and a stated 1% APY.
- 2018
Dynasty adds Max as a cash option[1]
Other
Dynasty Financial Partners added Max as a cash option for its clients, extending the platform's distribution through a wealth-management network.
- 2018
Max and Radius Bank announce rapid account opening[1]
Product launch
Max and Radius Bank announced an account-opening process designed to allow customers to open an account in approximately 60 seconds.
- 2016
Max introduces Advisor Dashboard[1]
Product launch
The Max Advisor Dashboard launched in January, giving financial advisers a way to oversee clients' Max accounts on their behalf.
- 2015
Max joins FinTech Innovation Lab[1]
Other
Max participated in the FinTech Innovation Lab run by the Partnership Fund for New York City and Accenture and presented at the program's Demo Day in June.
- 2015
Max expands into business cash management[1]
Other
Max began offering services to businesses in October through a partnership with The American Deposit Management Co., targeting higher returns on FDIC-insured corporate cash.
- 2015
Max receives UBS Future of Finance award[1]
Other
Max won a UBS Future of Finance Acceleration Award in December.
- 2014
Max launches its cash-allocation service[1]
Product launch
Max began operating its service in April 2014, offering a technology-based way to distribute customer cash among bank accounts while pursuing higher interest and maintaining deposit-insurance considerations.
Sources4 sources
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