SmartSecure Checking 

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Are you interested in extra security?  This account delivers more security features with IDProtect®1.
  • 3-in-1 Credit File Monitoring2 - IDProtect will monitor your Equifax® , Experian® and TransUnion® credit files daily, and automatically alert you if key changes occur. (Registration and activation required.)
  • 3-in-1 Credit Report - Request an updated credit report every 90 days or upon receipt of alert.  Each new report includes an updated single bureau credit score.  Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. (Registration and activation required.) 
  • Identity Monitoring - Monitoring of more than 1,000 databases and public records to edentify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. (Registration and activation may be required.)
  • Comprehensive Identity Theft Resolution Services - access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
  • Debit and Credit Card Registration - Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (Registration aand activation required)
  • Identity Theft Expense Reimbursement Coverage3 - Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.
  • Online Identity Theft News Center and valuable Phone and Web Resources (Registration and activation required)
  • FREE Electronic Banking Package - Includes Online Banking with Popmoney, Online Bill Payment, Mobile Banking with Mobile Check Deposit, eStatements4 , 24-hour telephone banking and Quicken® web connect
  • ATM Fee Reimbursement up to $20 per cycle - Use any ATM, anywhere. Bring us the receipt and we'll pay you back for non-network ATM fees
  • FREE Visa® Debit Card
  • SmartPhoto and SmartSecure Debit Card Available
  • CardValet® - Turn your debit card "on or off"
  • Make the Switch Easily move recurring payments and direct deposits to your Wood & Huston Bank account
  • Only $5.95 per month - Compare and Save!
  • Air-Evac Lifeteam Discount

Additional Features

  • Cellular Telephone Protection - Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per year.  Covers the first four phones on cellular telephone bill paid through your checking account. (Cellular telephone bill must be paid through this account.)
  • Accidental Death and Dismemberment Insurance5 - Receive up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)
  • MyScoreBuilder®6 - We help you build a better credit score by reviewing your credit report and score.  Print out your credit file, make an appointment with a MyScoreBuilder® Representative and start down the path to a better credit score.


  • 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



  1. IDProtect service is a personal identity theft protection service available to personal checking account owners and their joint account owners and their eligible family members.  The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners.) Service is not available to a "signer" on the account who is not an account owner.  Service is not available to  clubs, organizations and/or churches and their members, schools and their employees/students.  For revocable grantor trust, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members.  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered).  Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. 
  2. Credit file monitoring may take several days to begin following activation.
  3. Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc.  The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
  4. Paper statements are optional for $3.00 per month.
  5. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described.  Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.  Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
  6. For educational purposes only.