SmartReward Checking

  • Earn Our Highest Checking Interest1 -Qualifying is easy, just meet these minimum statement cycle requirements:
  • 16 Visa® Debit Card purchases that post and clear
  • One ACH auto debit or direct deposit that post and clear
  • Receive your statements electronically (eStatements)
  • Access FREE Online Banking
  • FREE Nationwide ATM Refunds2 - Use any ATM, anywhere and we'll automatically reimburse you for non-network ATM Fees-no paperwork necessary!
  • Disappearing Fee3 - Monthly fee of $3.95 to $0.  Monthly fee gets reduced $0.25 for every debit card purchase. Make 16 or more purchases that post and clear during the statement cycle and the fee is eliminated!
  • FREE Electronic Banking Package - Includes Online Banking, Online Bill Payment, Mobile Banking with Mobile Check Deposit, eStatements 4 , 24-hour telephone banking and Quicken® web connect
  • FREE Visa® Debit Card
  • SmartPhoto and SmartSecure Debit Card Available
  • Card Valet® - Turn your debit card "on or off"
  • ClickSWITCH - Easily move recurring payments and direct deposits to your Wood & Huston Bank account
  • Only $25 Deposit To Open
  • No Minimum Balance Requirement
  • Air-Evac Lifeteam Discount


  • Higher Savings Rate when you open a SmartSavings account at the same time as your SmartChecking.  All it takes is a $10 minimum automatic transfer from checking to savings each statement cycle.

SmartBuy Package


  • Credit card bills, debt, and saving may not be top of mind for you, but the financial decisions you make today will have a long-term impact on your life. This short interactive learning experience will prepare you with the right skills to manage your financial future!

  1. Lower APY applies to balances over $10,000 and when qualifications are not met.  See Bank for details.
  2. ATM fee refunds are limited to $20 per cycle when you meet the minimum cycle requirements.
  3. ATM transactions do not count as VISA® Debit Card purchases.
  4. Paper Statements are optional for $3.00 per month.