Smart Select Checking Account
Earn Maximum Benefits
Smart Select offers the maximum benefits you want in a checking account.
- Free online banking
- No minimum balance
- Free Mobile Banking App
- Free online Bill Pay access
- Unlimited Check Writing
- Includes Smart Select Debit MasterCard
- Discounted interest rate on the first loan**
- No monthly service fee*** (fee is waived with Direct Deposit of $1000 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.
* Average Balance of < $2,500.00 earns 0.05%. Average Balance of > $2,500.00 earns 0.10%.
** 0.25% discount on APR with the first loan after the establishment of a Smart Select Checking Account.
*** 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.
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.