Smart Checking

Smart Checking combines the convenience of a checking account with the ability to earn interest on your balance.

• Minimum opening deposit of $50
• Minimum balance of $500***
• No monthly service charge if minimum balance is maintained
• Up to two debit cards free*
• Earn a tiered interest rate – the higher the balance, the higher the rate
• Plus, sign up for direct deposit and receive your first 50 checks FREE

Write a lot of checks? Upgrade to our Smart Plus Checking account and receive unlimited check orders for just $4 per month!**

Age 62 or older? Receive your checks FREE.**

* Each additional card is $6 plus sales tax. ** Limit one box of standard personal checks per order. You may upgrade check style for an additional fee. *** $12 fee (plus sales tax) will be assessed if minimum balance falls below $500.