
SmartRate Checking gives you a boost!
Earn up to
Earn higher returns¹ + ATM refunds with no monthly fee.
Wherever you are in life, Allegacy has a checking account to help. With our SmartRate Checking account, earn your highest dividends¹, pay your lowest fees and focus more on what matters in your day.
-
+ Earn up to 3.00% APY¹
-
+ Nationwide ATM refunds²
-
+ No monthly fee, no minimum balance required
All SmartRate Checking account-holders earn the base dividend of 0.05%. If you meet the following requirements, you’ll earn the premium dividend of 3.00% APY.¹
Qualification Requirements:
- Sign up for eStatements
- Make at least 20 check card transactions per cycle, online or in-person
- Set up at least one direct deposit (or ACH debit) per cycle
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.
We make it easy to switch.
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.
Compare our Checking Accounts
-
Monthly Service Charge
Monthly Service Charge
-
Opening Balance
Opening Balance
-
Minimum Balance
Minimum Balance
-
Dividends Earned
Dividends Earned
-
Free Allegacy Visa® Check Card
Free Allegacy Visa® Check Card
-
Free Direct Deposit
Free Direct Deposit
-
Overdraft Protection
Overdraft Protection
-
Benefits
Benefits
-
Monthly Service Charge
$4.95, or Free with Direct Deposit
-
Opening Balance
$50
-
Minimum Balance
None
-
Dividends Earned
No
-
Free Allegacy Visa® Check Card
Yes
-
Free Direct Deposit
Yes
-
Overdraft Protection
None
-
Benefits
Totally Digital Account; No Checks
-
Monthly Service Charge
None
-
Opening Balance
$50
-
Minimum Balance
None
-
Dividends Earned
Yes
-
Free Allegacy Visa® Check Card
Yes
-
Free Direct Deposit
Yes
-
Overdraft Protection
Yes
-
Benefits
ATM Fees Refunded²
-
Monthly Service Charge
$3, or Free with Average Monthly Balance of $250
-
Opening Balance
$50
-
Minimum Balance
None
-
Dividends Earned
Yes
-
Free Allegacy Visa® Check Card
Yes
-
Free Direct Deposit
Yes
-
Overdraft Protection
Yes
-
Benefits
Free Checks4 with Direct Deposit