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Checking Account


 

Smart Financial wants to help you bank, budget, and save. Our checking accounts allow you to easily keep track of your daily spending and save time with online bill pay and direct deposit. Whether you are interested in earning rewards for using your debit card, loan rate discounts, or earning interest, we have the account for you!

 

Account Benefits

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AMPRE REWARDS

Use your Smart Financial debit card and earn cash back rewards at a variety of local and national retailers.

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ACCOUNT MONITORING

Use the MobiMoney app to freeze your card or set up real-time notifications to keep you informed!

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ANYTIME ACCESS

Access your account information wherever you are, day or night. Download our mobile app to monitor your account on the go.

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BUILT-IN BUDGETING

Take advantage of the built-in budgeting and saving tools available through online banking.

 

Personal Checking Accounts*

eChecking
Easily apply online. Great for those who don't write checks and primarily conduct banking transactions through online and mobile banking. 1
Minimum Deposit to Open Minimum Monthly Balance Monthly Service Charge Maintenance Fees
$50 $0 $0 $2 Per Branch Transaction 1
 
Smart Select Checking
Earn interest and a receive a discount on your first loan. 2
Minimum Deposit to Open Minimum Monthly Balance Monthly Service Charge Interest Rate
$100 $0 None if you meet direct deposit requirements 3
Rates tiered according to average balance 4
 
Smart Choice Checking
The perfect everyday checking account for those growing their finances.
Minimum Deposit to Open Minimum Monthly Balance Monthly Service Charge Interest Rate
$50 $0 None if you meet direct deposit requirements 5
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Smart Scholar Checking
Designed to help High School students manage their money the smart way.
Minimum Deposit to Open Minimum Monthly Balance Monthly Service Charge Interest Rate
$25 $0 n/a
 
n/a
 

*If you're a new member and using a checking account to establish your Smart Financial membership, you will also have to pay a one-time $5 entrance fee and a $5 opening deposit, in addition to the minimum opening deposit required by the account.

 

Compare Checking Accounts


 

 

Debit Card Features

Ampre-Amplify Your Awards

Enjoy thousands of opportunities to get cash back on national brands, plus regional and local retailers in-store and online just by using your participating Smart Financial debit card! Curious how Ampre works? Just follow the steps below!

  • Browse all available offers by visiting the Ampre website.
  • Use your debit card in-store and online to make purchases at those participating retailers.
  • Automatically earn cash back thanks to those purchases!

Learn More

 

MobiMoney

Use the MobiMoney App to give your Debit Card an extra layer of protection from fraud or unauthorized transactions. MobiMoney allows you to...

  • Turn your debit card on/off directly in the app.
  • Receive instant card transaction alerts.
  • Limit card usage based on location, transaction type and amount.
  • Set merchant preferences

Learn More

 

Smart Traveler Program

Designed for members who travel outside their home state more than twice a month. The Smart Traveler Program allows members to continue to enjoy the current ease and convenience of using their debit cards. To be eligible for this program, members...

  • Must regularly travel 2+ times a month.
  • Maintain an account that is in good standing.
  • Provide evidence of frequent travel.

Learn More

 

1. The member will be charged a $2 fee per In-Branch/e-Branch transaction

2. 0.25% discount on APR with the first loan after the establishment of a Smart Select Checking Account

3. Average Balance of < $2,500.00 earns 0.05%. Average Balance of > $2,500.00 earns 0.10%.

4. 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 will continue to be charged to your account until a direct deposit has been re-established within 30 (thirty) days. Terms and conditions may change at any time without prior notice. The monthly service charge will be waived for the first 3-months of account opening to allow for the initiation of the direct deposit.

5. This account is subject to a $10 monthly fee if direct deposit is not maintained. If direct deposit stops at any time, the $10 monthly will apply and will continue to be charged to your account until a direct deposit has been re-established within 30 (thirty) days. Terms and conditions may change at any time without prior notice. The monthly service charge will be waived for the first 3-months of account opening to allow for the initiation of the direct deposit.