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e-Smart Checking
The smart choice for online banking.
Minimum Opening Deposit $100
- No monthly service fee
- No minimum balance requirement
- Free e-delivered image statements
- $200 SmartPrivilege protection with approval
- Unlimited check writing
- Free MasterMoney debit card
- 24 Hour telephone banking
- Free online banking with bill pay
- Unlimited surcharge-free SmartBank/Intercept ATM transactions
- Free direct deposit
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SmartInterest Checking
All the smart services you expect with interest.
Minimum Opening Deposit $100
- $10 monthly service fee if balance falls below $1,000
- Tiered interest rate on balances $1,000 or greater; $2,500 or greater; $5,000 or greater
- Free SmartBank exclusive checks
- .25% discount on a personal loan (with auto debit)
- Annual 10% discount on safe deposit box
- $400 SmartPrivilege protection with approval
- Unlimited check writing
- Free MasterMoney debit card
- 24 hour telephone banking
- Free online banking with bill pay
- Unlimited surcharge-free SmartBank/Intercept ATM transactions
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SmartRewards Checking
The ultimate in checking accounts, giving the most in return.
Minimum Opening Deposit $100
- $15.00 monthly service fee if balance falls below $25,000
- Tiered interest rate on checking balances $1,000 or greater; $15,000 or greater; $25,000 or greater
- Free SmartRewards checks
- Annual 25 % discount on safe deposit box
- Free travelers checks & Official checks
- Four free products of your choice each year. (products approved by management)
- Free check image statements
- Unlimited FREE ATM transactions in the United States
- .25% discount on a personal loan (with Auto Debit)
- $500 SmartPrivilege protection with approval
- Unlimited check writing
- Free MasterMoney debit card
- 24 hour telephone banking
- Free online banking with bill pay
- Unlimited surcharge-free SmartBank/Intercept ATM transactions
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SmartScholars Checking
A simple checking account for students.
Minimum Opening Deposit $100
- No monthly fee
- Must be 18 years of age or have a parent/guardian sign on the account
- Free e-delivered image statements
- One "oops" NSF refund per quarter
- Available to students until age 25
- Unlimited check writing
- Free MasterMoney debit card
- 24 hour telephone banking
- Free online banking with bill pay
- Unlimited surcharge-free SmartBank/Intercept ATM transactions
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SmartHorizons Checking
For our clients age 50 or better.
Minimum Opening Deposit $100
- Available to those age 50 or better
- No service charge on balances of $100 or greater; $5.00 service fee if below $100
- Tiered interest rate on balances $1,000 or greater; $2,500 or greater; $5,000 or greater
- Free SmartHorizons checks
- Free e-delivered image statements
- Bonus points on certificates of deposit
- No issuance fee for money orders, official checks and traveler's checks
- .25% discount on small safe deposit box
- Free direct deposit
- Free fax, copy and notary service
- Frequent events and trips
- $500 SmartPrivilege protection with approval
- Unlimited check writing
- Free MasterMoney debit card
- 24 hour telephone banking
- Free online banking with bill pay
- Unlimited surcharge-free SmartBank/Intercept ATM transactions
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SmartMoney Market Account
The smart way to earn more when you save more.
Minimum Opening Deposit $2,500
- $10 monthly service fee waived with minimum balance of $2,500
- Tiered interest rates for balances $2500 or greater; $15,000 or greater; $25,000 or greater
- Free e-delivered image statements
- Up to six free transactions (3 may be by check) allowed each month
- No issuance fee for money orders, official checks and traveler's checks
- Free MasterMoney debit card
- 24 hour telephone banking
- Free online banking with bill pay
- Unlimited surcharge-free SmartBank/Intercept ATM transactions
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