SmartRate Checking
Focus more on what matters most.
It’s our most popular account for a reason. SmartRate Checking offers premium dividends, refunds on ATM fees, no monthly fee and no minimum balance. Earn your highest dividends, pay your lowest fees and focus more on what matters in your day.
Premium Dividends¹
Earn premium dividends when you meet 3 requirements (see below)
Fewer Fees
ATM fees refunded² up to $25 per cycle, no monthly fee, no minimum balance required
Overdraft Protection
Not enough money in your account? We can transfer from your savings or line of credit
Early Pay
Receive direct deposits and ACH deposits up to 2 days early!³
Digital Services
Mobile banking, text alerts, eStatements and WebBanking put all the tools in your hands
Switch Today
Our online tool makes it simple – switch automated payments, direct deposits and more in a click.
More info on SmartRate Checking.
SmartRate Checking is a high-yield account that pays above-market rates when you meet all three of the SmartRate Checking requirements.
Earn higher dividends.
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 debit card transactions per cycle, online or in-person
- Set up at least one direct deposit (or ACH debit) per cycle
See SmartRate Checking deposit rate schedule. *¹APY = Annual Percentage Yield. Higher dividend rate based on meeting all SmartRate Checking requirements. Requirements include: eStatements, 20 debit card transactions and direct deposit (or ACH debit) per cycle. 3.00% APY is a variable rate and is effective as of 6/1/23. If you choose to receive a printed monthly statement for your SmartRate checking account, there is a monthly fee of $2.00. Balances of $25,000 or more earns a variable rate of 0.10% APY. Fees could reduce the earnings on the account. ²ATM fees will be refunded up to $25 per month, only if all SmartRate Checking qualification requirements are met. All rates, terms and products are subject to change without notice.
What is a cycle?
A qualification cycle is a period starting on the first business day of the month, to the last business day of the month, uniform to the statement cycle.
What others are saying ...
BradleyThe ease of using the app and the convenience of the service is excellent.
— Clemmons, NC
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