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Personal Checking

Here at SmartBank we promise that when you choose to bank with us, you are choosing to manage and protect your assets in the smartest way possible. We understand you depend on your personal checking account for everyday life, making it our goal to keep you prepared for life’s little surprises.

Find Out Which Checking Account Is Right For You!

SmartPlus Interest Checking

An account for those interested in higher interest!

  • FREE SmartBank checks
  • Higher interest rate with a balance of $1,500 or more
  • Competitive interest if balance falls below $1,500
  • Only $5 monthly service fee if minimum balance falls below $1,500
SmartDirect Interest Checking

Earn interest with the convenience of direct deposit or any automatic payment!

  • FREE first box of SmartBank checks
  • Competitive interest
  • No minimum balance
  • No monthly service fee
  • No per check fee
Smart50 Interest Checking

A perfect account for customers 50 and better!

  • FREE SmartBank checks
  • Competitive interest
  • No minimum balance
  • No monthly service fee
  • No per check fee
SmartFree Checking

A FREE account for everyone!

  • FREE first box of SmartBank checks
  • No minimum balance
  • No monthly service fee
  • No per check fee

Every new personal checking account includes:

Free debit card
Free online banking and bill pay
Free mobile banking
Buy Back of your old checks and debit card from another financial institution**
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Free eStatements with online check images
Up to 10 SURCHARGE-FREE ATM transactions per month
*Transaction items include all debits and credits. If a SmartFree Business Checking account exceeds 1,000 free monthly transactions, the account may be converted to another checking product.
^Includes coin and currency. If a SmartFree Business Checking account exceeds $10,000 in monthly coin and currency deposits, the account may be converted to another checking product.
**$10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.
Minimum opening deposit is only $50.
SmartPrivilege Overdraft Program

SmartPrivilege is an overdraft program designed for our qualified personal checking and SmartFree Business checking accounts for the accidental overdraft that may occur. Fees for use of overdraft protection are up to $35.00 per item charged up to the approved overdraft protection limit. Fees may be imposed for covering overdrafts resulting from checks, in-person withdrawals, or electronic means such as debit card transactions. We reserve the right to require repayment of an overdraft balance on demand. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have incurred too many overdrafts. Once the approved overdraft limit is met, the standard NSF fees of $35.00 per item will apply. In order to receive the SmartPrivilege Overdraft Program, clients must meet SmartBank’s eligibility requirements.