Holiday Hours: All Smart Financial locations will close at 2PM on Christmas Eve, Tuesday, December 24th, and will remain closed through Christmas Day on the 25th. Regular business hours will resume on Thursday, December 26th. Wishing you a Merry Christmas and Happy Holidays!

SMART CHECKING

Personal
Checking Accounts

Checking accounts you can manage from anywhere, anytime.

Open An Account

Personal Checking that evolves with you.

Financial needs grow as we grow. Spending starts in our teens, becomes reality in young adulthood, gets complicated in parenthood, and even more so in retirement! Wherever you are in life, we have a Smart Checking account for you with tools that help you save time and spend smarter!

Smart Scholar

SmartScholar

checking

Teaches your teen to bank without fees while you monitor spending. Open in a branch.

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  • Ages 14 to 17
  • $25 to open
  • No minimum balance
  • $10 monthly service fee ages 18 and over
  • Fee waived ages 17 and under
  • No Check Writing
    No Bill Pay
  • No discretionary overdraft protection
  • Overdraft Protection from Savings
  • Free paper statements by request
  • Parent/Guardian access to monitor & pay allowance
Smart Start

SmartStart

checking

The perfect learning account for young adults and college students.

Open Now
  • Ages 18 to 25
  • $25 to open
  • No minimum balance
  • $10 monthly service fee ages 26 and over
  • Fee waived ages 25 and under
  • Check Writing & Bill Pay
  • No discretionary overdraft protection
  • Overdraft Protection from Savings and Line of Credit4
  • Free paper statements by request
  • Higher ATM & Purchase limits than Smart Scholar
Smart Choice

SmartChoice1

checking

Checking that rewards debit card users and members ages 65 and over.

Open Now
  • Ages 18+
  • $50 to open
  • No minimum balance
  • $10 monthly service fee
  • Fee waived if ANY apply:
    • 20+ debit card POS/mo.
    • direct deposit > $500/mo.
    • members ages 65+
  • Check Writing & Bill Pay
  • Optional Discretionary Overdraft Protection4
  • Overdraft Protection from Savings and Line of Credit4
  • Free Monthly E-Statements (Paper Statements - $2)1
  • One box free checks per year ages 65+
  • Higher ATM & Purchase limits than Smart Start
Smart Premier

SmartPremier2

checking

Interest bearing account that rewards higher balances.3

 

Open Now
  • Ages 18+
  • $100 to open
  • No minimum balance2
  • $15 monthly service fee
  • Fee waived if ANY apply:
    • $15K combined average balance (deposits/loans) for the primary account holder
    • direct deposit > $3,000/mo.
  • Check Writing & Bill Pay
  • Optional Discretionary Overdraft Protection4
  • Overdraft Protection from Savings and Line of Credit4
  • Free ATMs up to $10/month5 & Free Money Orders/Cashier's Checks
  • Higher ATM & Purchase limits than Smart Choice

Smart Checking account features

Security Chip

EMV Chip Debit Mastercard

Smart Phone

Digital Banking

Mail

Monthly E-Statements

Deposit

Mobile Deposits

Order Checks

Debit Card Services

Become a Member

Applicable to all Smart Financial Checking products: If you're a new member and using a checking account to establish Smart Financial membership, you will pay a one-time $5 entrance fee in addition to the minimum opening deposit required by the account.

1. Smart Choice Checking is subject to a $10 monthly service fee. Requirements to waive the fee include one of the following: 1) have a monthly recurring direct deposit of $500 or more, 2) complete at least 20 Point Of Sale (POS) debit card transactions per month (ATM transactions do not apply), OR 3) primary account holder is 65 years of age or older. If direct deposit stops AND POS transactions stop meeting these requirements within a 30 day statement period, the $10 monthly will apply and will continue to be charged to your account until ONE of the THREE qualifications has been re-established. 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. Smart Choice Checking statements will be delivered electronically. If paper statements are desired, the member may opt in but will incur a $2 statement fee.

2. Smart Premier Checking is subject to a $15 monthly service fee. Requirements to waive the fee include one of the following: 1) the primary account owner must maintain an average of $15,000 combined loan and account balances per month, OR 2) have a monthly recurring direct deposit of $3,000 or more. If direct deposit stops AND the average monthly combined balances drop below threshold, the $15 monthly fee will apply and will continue to be charged to the account until ONE of the TWO qualifications has been re-established. 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.


3. Smart Premier dividend rate is tiered and based on average balance during a 30-day period. Rates are subject to change and posted at www.smartcu.org.

4. Discretionary Overdraft Protection (DOP) and Line of Credit (LOC) privileges must be qualified and approved.

5. Qualifying Premier accounts will be reimbursed up to $10 per month, or $120 per calendar year, for accrued ATM surcharges (3rd party fees). In addition, no Smart Financial ATM fees will accrue on Smart Premier accounts.

6. Mobile Deposit is available through our Mobile App. There are restrictions and qualifications in order to be eligible for this service. Your account must be open at least 60 days and maintain a positive balance. All checks deposited through the mobile app are not made available immediately. Other restrictions apply. Visit smartcu.org/mobile to learn more.