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SmartRate Checking gives you a little extra.

Expect more. Earn 8x the national average.¹

Wherever you are in life, Allegacy has a checking account to help. With our SmartRate Checking account, earn your highest dividends², pay your lowest fees and focus more on what matters in your day.

  • + Earn premium dividends²

  • + Nationwide ATM refunds³

  • + No monthly fee, no minimum balance required

As an Allegacy member, you have the tools to manage your finances wherever and whenever you need. All of our checking accounts include mobile banking, text alerts, eStatements and WebBanking free of charge.

Get your SmartRate Checking account started today.

We make it easy to switch.
Move automated payments and direct deposits, from one account to another, with our online tool.

Make the switch.

At Allegacy, our goal is to help you make smart financial choices that fit your needs and your lifestyle. That’s why we’ve designed three different checking accounts to help you take the first step to financial wellness.

Digital Best Checking SmartRate Allegacy Preferred
Monthly Service charge $4.95, or Free with Direct Deposit None $3, or Free with Average Monthly Balance of $250
Opening Balance $50 $50 $50
Minimum Balance None None None
Dividends Earned No Yes Yes
Free Allegacy Visa® Check Card Yes Yes Yes
Free Direct Deposit Yes Yes Yes
Free Overdraft Protection None Yes Yes
Benefits Totally Digital Account; No Checks ATM Fees Refunded³ Free Checks4 with Direct Deposit

³ATM fees will be refunded up to $25 per month, only if all SmartRate Checking eligibility requirements are met.

4Each preferred checking account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.

Once your account is open, switching is a breeze. Our online tool makes it simple to switch automated payments, direct deposits and more – from one account to another. It’s the fast, secure and free way to switch and takes less than 10 minutes.

  • Fully automated, information is transferred instantly
  • Track progress, view details of your requested changes and confirmations
  • Balance Assist with advice on how much to move/maintain

Open an Account.

Get started today! Open your account online now.

Open Now