SmartReward Checking

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  • 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 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, eStatements4, 24-hour telephone banking and Quicken® web connect
  • FREE Visa® Debit Card
  • SmartPhoto and SmartSecure Debit Card Available
  • Only $25 Deposit To Open
  • No Minimum Balance Requirement
  • Air-Evac Lifeteam Discount

 Apply Now (1)


  • 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.
  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. Present ATM receipts for reimbursement within 60 days of fee charge.
  3. ATM transactions do not count as VISA® Debit Card purchases.
  4. Paper Statements are optional for $3.00 per month.

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