SmartSenior Checking

SmartSenior Checking is designed for Seniors 50+ and gives you the checking features most asked for by seniors.
  • Identity Fraud Support Service - Our Identity Fraud Support Service provides access to a highly trained team of specialists who are ready to provide assistance if you become a victim of identity theft.
  • Paper Statement detailing all your transactions with images of your checks mailed directly to your door.
  • FREE Electronic Banking Package - Includes Online Banking, Online Bill Payment, Mobile Banking with Mobile Check Deposit, eStatements, 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"
  • ClickSWITCH - Easily move recurring payments and direct deposits to your Wood & Huston Bank account
  • Only $25 Deposit To Open
  • Monthly Fee $4.95 or $0 per month - with no requirements for debit card usage, Keep an actual daily balance of $10,000 and the fee is eliminated.
  • 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!