Freedom Checking Account | Smart Financial

    Checking Accounts

    Freedom Checking Account

    "Free ATMs Anytime Anywhere"

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    With Smart Financial Freedom Checking, you are free to use any ATM, anytime, anywhere. We make sure that using the ATM is easy, convenient, and most important, free.
    • No monthly service fee (with Direct Deposit)
    • No minimum balance
    • Online Banking
    • Smart Financial Freedom Debit MasterCard
    • Online Bill Pay access
    • Unlimited ATM fee refunds per month* (when requirements are met)
    • Unlimited check writing
    Get a peace of mind with...

    Overdraft Protection link from your Savings account or Line of Credit

    Freedom Account Requirements**
    • $50 minimum opening balance
    • Direct Deposit is required to aviod monthly fee*
    • e-Statement (required for ATM fee rebates)
    • Average daily balance of $1,500 (required for ATM fee rebates)
    • Account is subject to a $12 monthly fee, if direct deposit is not maintained
    Monthly service fee
    • Account is subject to a $12 monthtly fee without direct deposit
    • New accounts have a 60 day grace period to get direct deposit set up to avoid monthly fee
    Free ATM fees (Rebated)
    • $1,500 minimum average daily balance is required to qualify for ATM rebates
    • Maximum amount for individual ATM refund is $5 per transation
    • Rebates will be applied to your Freedom Checking on the las business day of the monthly cicle
    • International fees (currency conversion fees) do not qualify for rebates

    Avoid the hassle of paper statements with e-statements
    This is not an interest bearing account
    Checks will be issued upon request

    * Rebates are unlimited as to the number of ATM Fee refunds per month. The maximum amount for an individual ATM refund is $5.00. Refunds will be applied to Freedom Checking (account) on first business day of the following monthly cycle that the rebate eligibility requirements were met. International fees (currency conversion fees) do not qualify for rebates. In the event a rebate is not credited to your account, please call us for resolution. If the total income reportable equals $600 or more in a taxable year, the credit union may issue you a 1099-MISC.

    ** Eligibility requirements for Freedom Checking: Direct Deposit into Freedom Checking account or $12 monthly fee, e-statements, average daily balance of $1500. You must meet these eligibility requirements for the Freedom Checking account each month to qualify for the ATM fee rebates. A lapse in eligibility in any given month may disqualify you from receiving rebates.

    *** This account is subject to a $12 monthly fee if direct deposit is not maintained. If direct deposit stops at any time, the $12 monthly will apply and continue to be charged to your account until a direct deposit has been re-established for 30 (thirty) days. Terms and conditions may change at any time without prior notice.

    All Checking Accounts feature the option of a Debit MasterCard
    Now the fastest way to write a check is to not write one at all! With Smart Financial's Debit MasterCard, you have a fast and efficient way to access your checking account.

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