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SmartRate Checking gives you a boost!

Earn up to

3.00
% APY¹

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.

Open your account today

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.

Open an Account.

Get started today! Open your account online now.

Open Now

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