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SmartBank has created exclusive accounts for all employees of the public and private education system in celebration for the investment they have made in the lives of our young people.

SmartBank proudly offers SmartEducator accounts exclusively to anyone employed in the public or private education system. This account is designed for the educator who is looking for a bank that can provide the most convenient services combined with state-of-the-art technology. With the SmartEducator account, you will earn attractive interest rates and exceptional benefits!

SmartEducator Checking*

  • Competitive interest rate
  • Online banking with bill pay
  • Mobile banking
  • Free SmartEducator checks
  • No monthly maintenance fee
  • Surcharge-free ATM usage anywhere in the U.S. (limit 10 free transactions per month)
  • Direct deposit
  • SmartPrivilege Overdraft Protection up to $500
  • 25% discount on safe deposit box
  • Discounted rates on personal loans (10 month repayment schedule available)
* Educators must have direct deposit to be eligible for the SmartEducator Account.
SmartEducator Savings*
  • Competitive interest rate
  • Service fee waived with minimum balance of $50.00**
  • Four free withdrawals per quarter***
  • Online and mobile banking
  • Automated savings programs
  • Direct deposit
* SmartEducator checking account required to open SmartEducator savings.
** SmartEducator Savings accounts will require $50 minimum balance; if balance drops below $50 on any one day within the quarter, a $3.00 service fee will be applied.
*** Withdrawal fee of $2.00 will be assessed after 4 free withdrawals per quarter.

SmartPrivilege Overdraft Protection Service
Fees for use of overdraft protection are $2.00 per item charged up to the $500 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 $500.00 overdraft protection limit is met, the standard NSF fees of $30.00 per item will apply. In order to receive SmartPrivilege Overdraft Protection, clients must meet SmartBank’s eligibility requirements.

JA Biztown & SmartBank

SmartBank has partnered with the Sevier County Board of Education and continues to sponsor JA BizTown. By underwriting the cost of the tuition, approximately 1,200 students each year are able to spend the day on the BizTown campus. JA BizTown is a program designed for fifth graders that encompasses important elements of community and economy. The focus is on work readiness, financial literacy, and business management This on-site visit provides students with an opportunity to apply what they have learned in a realistic setting. SmartBank also provides every student, teacher and parent or guardian volunteer with a special BizTown T-shirt. SmartBank Associates volunteer over 300 hours each year working with students in local schools and on the BizTown campus helping them prepare for their day at BizTown!

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