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.
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|
|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