focus more on what matters most.
It’s our most popular account for a reason. SmartRate Checking offers above-market rates, 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.
Earn dividends at above-market rates when you meet 3 simple requirements (see below)
ATM fees refunded² up to $25 per cycle, no monthly fee, no minimum balance required
Not enough money in your account? We can transfer from your savings or line of credit
No delays or hold times on direct deposits; applies to most payroll check deposits too³
Mobile banking, text alerts, eStatements and WebBanking put all the tools in your hands
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 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 0.50% APY.¹
- Sign up for eStatements
- Make at least ten check card transactions per cycle, online or in-person
- Set up at least one direct deposit (or ACH debit) per cycle
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.
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Faster Deposits: Some restrictions may apply.
See SmartRate Checking deposit rate schedule.
Allegacy provides eStatements as a free service; however, you must sign up for eStatements to receive them.
On WebBanking, some restrictions may apply.
To use Mobile Banking or to get text alerts, you must first sign up for them. Allegacy does not charge a fee for these services; however, your mobile carrier’s normal data rates apply.
All checking accounts require a $50.00 opening balance.