“Can a patented cash-allocation engine evolve into the private banking and lending OS for the RIA channel?”
Max launched in 2013 as a patented cash maximization service that helps individuals and advisors spread funds across FDIC-insured online savings accounts held in the client's own name, rather than co-mingled cash sweep products. Over time it built out an advisor channel (Max For Advisors) with deep integrations into RightCapital, eMoney, and Morningstar ByAllAccounts. In Feb 2026 it extended into Max Private — a private-banking and lending suite aimed at large RIAs — signaling a strategic move from pure deposit optimization to a broader white-glove banking-as-a-service layer for wealth managers.
MaxMyInterest discloses Ally Bank, Barclays Bank Delaware, Customers Bank, Quontic Bank, Webster Bank and Veritex Community Bank as its banking providers, according to the Embedded Finance Index 2026.
MaxMyInterest does not disclose a bank charter of its own; its banking services are provided through Ally Bank, Barclays Bank Delaware, Customers Bank, Quontic Bank, Webster Bank and Veritex Community Bank.
MaxMyInterest moves money over ACH.
MaxMyInterest integrates with Morningstar ByAllAccounts, eMoney and RightCapital.
The Embedded Finance Index 2026 maps 4 layers in MaxMyInterest's stack: Money movement (ACH); Banking / BaaS (Ally Bank, Barclays Bank Delaware, Customers Bank, Quontic Bank and 2 others); Lending (Max Private (private banking and lending for RIA clients)); Accounting (Morningstar ByAllAccounts, eMoney and RightCapital).
MaxMyInterest was founded by Gary E. Zimmerman and is founded in 2013, headquartered in Portsmouth, NH (operating entity Six Trees Capital LLC; originally NYC).
Get a read on where your own stack stands against MaxMyInterest and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.