Checking Accounts

    Superior Checking Account

    A higher level of benefits for you.

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    The Smart Financial Credit Union Superior Checking Account offers a high level of benefits. It's everything you want: interest rate, no service fee, and more.
    • No monthly service charge ($1,000 average daily balance in the account or at least 55 years of age).
    • Online Banking
    • Debit MasterCard
    • Interest Bearing
    • Online Bill Pay access
    • Unlimited check writing
    • Two free money orders per day
    • Rental discount on safe deposit box
    • One free box of custom checks per calendar year
    Get a peace of mind with...
    • Overdraft Protection linked from your Savings account or Line of Credit

    Superior Checking Account Requirements
    • $100 minimum opening balance
    • $1,000 minimum average daily balance is required to avoid monthly fee*
    Monthly service fee
    • Account is subject to a $10 monthtly fee (to avoid the fee, you should have a $1,000 average daily balance in your account or if you are at least 55 years of age).
    • Checks will be issued upon request
    • The Superior Checking is an interest bearing checking account. This account is designed for members that are looking to earn interest on checking deposits. Members age 55 and over are not charged a monthly maintenance fee when balance is below minimum.
    • Avoid the hassle of paper statements with e-statements.

    Interest is calculated based on average daily balance and is paid monthly.

    Minimum Balance Interest Rate APY
    $0-999.99 .05% .05%
    $1,000+ .10% .10%

    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.

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