This website requires Javascript to function correctly

See All | Contract
banner shadow
banner tagline inside

Smart Select Checking Account

Earn Maximum Benefits

Smart Select offers the maximum benefits you want in a checking account.

  • Interest-bearing*
  • 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.