Checking Accounts

    Smart Financial Credit Union Checking

    Find the account that best suits your financial lifestyle.

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    Smart Select

    Smart Select offers the maximum benefits you want in a checking account.

    • Interest-bearing*
    • Free online banking
    • No minimum balance
    • And much more!

    Monthly service fee
    $12 or waived when requirements are met.

    Minimum opening deposit: $100

    * Average Balance of < $2500.00 earns 0.05%. Average Balance of > $2500.00 earns 0.10%.

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    Smart Choice

    Smart Choice is your go-to checking account!

    • Free online banking
    • No minimum balance
    • Free Mobile Banking App
    • And much more!

    Monthly service fee
    $10 or waived when requirements are met.

    Minimum opening deposit: $50

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    Smart Scholar

    The Smart Financial Smart Scholar Checking is designed for High School students who want to learn the easy way to manage money.

    • No monthly service charge
    • No minimum balance
    • Online Banking
    • Debit MasterCard

    Monthly service fee
    None

    Minimum opening deposit: $25

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