SmartRate Checking

Focus more on what matters most.

Open NowSchedule an Appointment

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 simple 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

Faster Deposits

No delays or hold times on direct deposits; applies to most payroll check deposits too³

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 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

See SmartRate Checking deposit rate schedule. ¹APY = Annual Percentage Yield. Higher dividend rate based on meeting all SmartRate Checking requirements. Requirements include: eStatements, ten check card transactions and direct deposit (or ACH debit) per cycle. 0.50% APY is a variable rate and is effective as of 3/1/2021. 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 eligibility 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.

Open an Account.

Get started today! Open your account online now.

Open Now

What others are saying ...

I was completely satisfied that I made the right choice with opening my first bank account.

Shiloh P
— NEW member

Calculators to keep your savings on track.

Have questions? Contact Us

Get Started

Open Online
Open Now
Visit a Financial Center
Find a Location Near You
We're here to help
Get In Touch