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PERSONAL BANKING

Smart Checking

Open an Account

Personal checking that evolves with you.

Financial needs grow as we grow. Spending starts in our teens, becomes reality in young adulthood, gets complicated in parenthood, and even more so in retirement! Wherever you are in life, we have a Smart Checking account for you with tools that help you save time and spend smarter!

Personal checking that evolves with you.

Financial needs grow as we grow. Wherever you are in life, we have a Smart Checking account for you with tools that help you save time and spend smarter!

SmartScholar

checking

Teaches your teen to bank without fees while you monitor spending.

Open at Branch
  • Ages 14 to 17
  • $25 to open
  • No minimum balance
  • $10 monthly service fee ages 18 and over
  • Fee waived ages 17 and under
  • No Check Writing
    No Bill Pay
  • No discretionary overdraft protection
  • Overdraft Protection from Savings3
  • Free paper statements by request
  • Parent/Guardian access to monitor & pay allowance

SmartStart

checking

The perfect learning account for young adults and college students.

Open at Branch
  • Ages 18 to 25
  • $25 to open
  • No minimum balance
  • $10 monthly service fee ages 26 and over
  • Fee waived ages 25 and under
  • Check Writing & Bill Pay
  • No discretionary overdraft protection
  • Overdraft Protection from Savings and Line of Credit3
  • Free paper statements by request
  • Higher ATM & Purchase limits than Smart Scholar

SmartChoice1

checking

Checking that rewards debit card users and members ages 65 and over.

Open Now
  • Ages 18+
  • $50 to open
  • No minimum balance
  • $10 monthly service fee
  • Fee waived if ANY apply:
    • 20+ debit card POS/mo.
    • direct deposit > $500/mo.
    • members ages 65+
  • Check Writing & Bill Pay
  • Optional Discretionary Overdraft Protection3
  • Overdraft Protection from Savings and Line of Credit3
  • One box free checks per year ages 65+
  • Higher ATM & Purchase limits than Smart Start

SmartPremier2

checking

Interest bearing account that rewards higher balances and direct deposit.3

Open Now
  • Ages 18+
  • $100 to open
  • No minimum balance2
  • $15 monthly service fee
  • Fee waived if ALL apply:
    • $15K combined average balance (deposits/loans)
    • direct deposit > $500/mo
  • Check Writing & Bill Pay
  • Optional Discretionary Overdraft Protection3
  • Overdraft Protection from Savings and Line of Credit3
  • Free ATMs up to $10/month5 & Free Money Orders/Cashier's Checks
  • Higher ATM & Purchase limits than Smart Choice

SmartScholar

checking

Teaches your teen to bank without fees while you monitor spending.

Open at Branch
  • Ages 14 to 17
  • $25 to open
  • No minimum balance
  • $10 monthly service fee ages 18 and over
  • Fee waived ages 17 and under
  • No Check Writing
    No Bill Pay
  • No discretionary overdraft protection
  • Overdraft Protection from Savings3
  • Free paper statements by request
  • Parent/Guardian access to monitor & pay allowance

SmartStart

checking

The perfect learning account for young adults and college students.

Open at Branch
  • Ages 18 to 25
  • $25 to open
  • No minimum balance
  • $10 monthly service fee ages 26 and over
  • Fee waived ages 25 and under
  • Check Writing & Bill Pay
  • No discretionary overdraft protection
  • Overdraft Protection from Savings and Line of Credit3
  • Free paper statements by request
  • Higher ATM & Purchase limits than Smart Scholar

SmartChoice1

checking

Checking that rewards debit card users and members ages 65 and over.

Open Now
  • Ages 18+
  • $50 to open
  • No minimum balance
  • $10 monthly service fee
  • Fee waived if ANY apply:
    • 20+ debit card POS/mo.
    • direct deposit > $500/mo.
    • members ages 65+
  • Check Writing & Bill Pay
  • Optional Discretionary Overdraft Protection3
  • Overdraft Protection from Savings and Line of Credit3
  • One box free checks per year ages 65+
  • Higher ATM & Purchase limits than Smart Start

SmartPremier2

checking

Interest bearing account that rewards higher balances and direct deposit.3

Open Now
  • Ages 18+
  • $100 to open
  • No minimum balance2
  • $15 monthly service fee
  • Fee waived if ALL apply:
    • $15K combined average balance (deposits/loans)
    • direct deposit > $500/mo
  • Check Writing & Bill Pay
  • Optional Discretionary Overdraft Protection3
  • Overdraft Protection from Savings and Line of Credit3
  • Free ATMs up to $10/month5& Free Money Orders/Cashier's Checks
  • Higher ATM & Purchase limits than Smart Choice

Every Smart Checking account comes with:

 

EMV Chip
Debit Mastercard

Digital
Banking

Monthly
E-Statements

Mobile
Deposit

All Smart Financial Checking products are subject to approval. If you're a new member and using a checking account to establish Smart Financial membership, you will pay a one-time $5 entrance fee in addition to the minimum opening deposit required by the account.

Monthly Statements: All accounts default to e-statement delivery through Digital Banking. Members may opt in for paper statements by submitting a secure message through Digital Banking. Smart Choice account holders receive a $2 monthly fee when opted in for paper statement delivery. Smart Scholar, Smart Start and Premier checking offer the paper statement option without a fee.

1. Smart Choice Checking is subject to a $10 monthly service fee. Requirements to waive the fee include one of the following: 1) have a monthly recurring direct deposit of $500 or more, 2) complete at least 20 Point Of Sale (POS) debit card transactions per month (ATM transactions do not apply), OR 3) primary account holder is 65 years of age or older. If direct deposit stops AND POS transactions stop meeting these requirements within a 30 day statement period, the $10 monthly service fee will apply and will continue to be charged to your account until ONE of the THREE qualifications has been re-established. The monthly service fee will be waived for the first 3-months of account opening to allow for the initiation of the direct deposit.

2. Smart Premier Checking is subject to a $15 monthly service fee. Requirements to waive the fee include: a monthly recurring direct deposit of $500 or more AND maintaining an average of $15,000 combined loan and account balances per month. If balances drop below threshold OR if direct deposit stops at any time within a 30-day statement period, the $15 monthly service fee will apply and will continue to be charged to your account until, both, average daily balances meet the account requirements and direct deposit have been re-established. The monthly service fee will be waived for the first 3-months of account opening to allow for the initiation of the direct deposit. Smart Premier dividend rate is tiered and based on average balance during a 30-day period. Rates are subject to change and posted at smartcu.org/rates.

3. Overdraft Protection Options: Overdraft Protection from Savings accounts will receive a small draw fee per day when funds are required to pay checking transactions that exceed $10. Fee amount is listed on our Rates & Fee Schedule at smartcu.org/rates. Overdraft Protection from Line of Credit charges no fee when additional funds are required to pay checking account transactions. Discretionary Overdraft Protection (DOP) Program and Line of Credit (LOC) privileges must be qualified and approved. Learn more.

4. Mobile Deposit is available through our Mobile App. There are restrictions and qualifications in order to be eligible for this service. Your account must be open at least 60 days and maintain a positive balance. All checks deposited through the mobile app are not made available immediately. Other restrictions apply. Learn more at smartcu.org/mobile.

5. Premier accounts will be reimbursed up to $10 per month, or $120 per calendar year, for accrued ATM surcharges (3rd party fees). In addition, no Smart Financial ATM fees will accrue on Smart Premier accounts. Money Orders and Cashier's Checks will be provided at no charge.