SmartStudent Checking

SmartStudent Checking comes packed with the services designed for your young lifestyle. With our mobile app you can make deposits with your phone and now with our Card Valet app you can turn your debit card "on" and "off’ to keep it safe. We even give you Zelle, an app geared to easily send money to anyone with an email address or mobile phone number. That makes sharing the ticket easy! Wood & Huston Bank is committed to its young customers by providing this account with no minimum balance requirements and no service charge fees until age 23. We’ll always be here to help you on your journey through life.


  • 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. Paper statements are optional for $3.00 per month.
  2. Mobile service is required, standard data and text message rates apply.
  3. You must be a full time-student at College or School under 23 years of age to qualify for this account.  Upon reaching 23 years of age your account will automatically convert to a SmartValue account or its successor.
  4. With a parent or guardian until age 18 years of age.