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Compare Checking Accounts

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eChecking

Smart Select

Smart Choice

Smart Scholar

Minimum Deposit to Open (1) $50 $100 $50 $25
Minimum Monthly Balance $0 $0 $0 $0
Interest Rate Dot Tiered x x
Monthly Service Charge $0 $12 (2) $10 (3) $0
Waived if n/a Greater than or equal to $1,000 direct deposit amounts / month Greater than or equal to $500 direct deposit amounts / month n/a
Waived: age < 25 n/a

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Maintenance fee for in-branch/eBranch transactions.

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x

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Overdraft Protection from Savings $2 per transfer $2 per transfer $2 per transfer $2 per transfer
Discretionary Overdraft Protection (DOP) (4)

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x

FREE Overdraft Protection from LOC (4)

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x

Check Writing Available

x NO Checks

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x

Rate Discount on First Loan (6)

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x

FREE Debit MasterCard

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FREE Online Banking

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FREE Bill Pay

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x

FREE Mobile App

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FREE Remote Deposit Via Mobile

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x

Open Online

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1. 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.

2. 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 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.

3. 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 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.

4. Average Balance of <$2500.00 earns 0.05%. Average Balance of >$2500.00 earns 0.10%.

5. Qualified and approved

6. 0.25% discount on APR with the first loan after the establishment of a Smart Select Checking Account