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Smart Choice Checking

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Smart Choice Checking Account

Grow Your Finances

Smart Choice is your go-to checking account!
  • Free online banking
  • No minimum balance
  • Free Mobile Banking App
  • Free online Bill Pay access
  • Unlimited Check Writing
  • Includes Smart Choice Debit Mastercard
  • No monthly service fee* (fee is waived with Direct Deposit of $500 or more)
Get peace of mind...

Overdraft Protection linked from your Savings account or Line of Credit


Monthly service fee

$12-waived when requirements are met***


Minimum opening deposit



To open an account, please visit a branch.


* 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.

All Checking Accounts have the option of receiving 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.