SMART Rewards Checking

SMART Rewards Checking

Make the smart choice and get the high-yield checking account that puts your money to work earning 1.01% APY* with no minimum balance requirements or service charge per monthly statement cycle.

Free checking with an incredible interest rate…what a bright idea!

  • 1.01% APY* on balances up to $20,000
  • 0.24% APY* on amount of balance over $20,000
  • 0.05% APY* if qualifications aren't met
  • No minimum balance
  • No service charge per monthly statement cycle
  • ATM fee refunds nationwide, excluding international transactions. (up to $20 per statement cycle)
  • Unlimited check writing
  • Free VISA® debit card**
  • No annual fee VISA® credit card***
  • Free online banking
  • Free online bill pay
  • Free eStatements
  • Monthly statements
  • Direct deposit available
  • Money line available***
  • FDIC Insurance
  • $100 deposit to open
  • EZ Save

Team up your SMART Rewards Checking Account with our free SMART Rewards Savings Account to improve your earnings even more!

*APY = Annual Percentage Yield. See "More Information" tab above for details.

**Some restrictions apply

***On approved credit


In order to qualify for the SMART rate and nationwide ATM fee refunds, simply do the following everyday activities:

  • Have 12 VISA® Debit Card Point of Sale transactions (excluding ATM transactions) post and clear per qualification cycle
  • Have at least one direct deposit, ACH debit or Bill Pay transaction post and clear per qualification cycle.
  • Enroll and receive E-Statements

If you don't qualify in a given cycle, don't worry—you'll still get unlimited free checking and our base rate of interest. And you can get the rewards back the very next statement cycle!

More Information

Annual Percentage Yield (APY) accurate as of 11/01/2012. Minimum to open account is $100. Rate tiers are as follows: 1.01% APY applies to balances of $0.01 - $20,000 and 0.24% APY applies to balances over $20,000 as long as qualifications are met. 0.05% APY applies to all balances if qualifications are not met. All balances will earn 1.01% APY or 0.24% APY as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.