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SMART CHECKING

Your basic banking needs, covered

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SMART CHECKING

Open a free checking account with all the basics, only better.

Bank online or on the go. It doesn’t get much smarter than Smart Checking. Get started with just $50 today! You get all the basics you expect from the best bank checking accounts, plus perks like:

Free monthly transactions
$50 minimum opening deposit
No minimum monthly balance
Free online and mobile banking
Free debit card
Nationwide ATM fee refunds

Apply Now

FREE DEBIT CARD

Mastercard® debit card with EMV Chip Technology

EZ OVERDRAFT

Overdraft protection available for an additional charge.

BANK ONLINE

Or on the go. Manage your finances your way.

LOW OPENING MINIMUM

Open an account with just $50.

NO MONTHLY FEE

Pay no monthly service charge.

Smart Checking: Minimum to open the account is $50. If you are enrolled in eStatements during the monthly statement cycle, we will refund nationwide ATM fees up to $10.00 per monthly statement cycle. A best effort is made to identify those ATM fees eligible for refund, based on information we receive from card networks and ATM operators. ATM fee refunds will be credited to your account on the same day the transaction has posted and settled to the account. When not enrolled in eStatements, ATM fees are not refunded. The Smart Checking account is intended to be the accountholder's primary electronic checking account in which payroll transactions and day-to-day spending activities are posted and settled. We expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Requires a valid email address. This account is not to be used for commercial purposes.