A smart financial choice

woman in trench coat and bright scarf checking wallet

Is your checking account costing you money?

While most financial institutions are charging fees for checking, our checking accounts are designed to help your money work harder and smarter with lower fees and an average checking rate* that is eight times higher than the national average, making it a smart financial choice.

With our SmartRate Checking, we actually put money back into your account. Not only do you receive premium dividends on balances up to $25,000, you’ll also get a refund on any ATM fees you incur, up to $25 per cycle.* Plus, you get a free Visa® check card with unlimited transactions. There’s no monthly service charge and you have access to WebBanking™, WebPay™, eStatements, Direct Deposit / Payroll Deduction and more — all for FREE.

If you’re not member, don’t worry. We can help you put an end to excessive fees. Simply apply online or visit any of our Financial Centers today. If you are a member, switching is easy!

Give us a call at 336.774.3400 or stop by today to get started!

*SmartRate offers a .50% APY premium dividend, compared to the interest checking national rate of .06% APY according to RateWatch.

**APY = Annual Percentage Yield. Higher dividend rate based on meeting all SmartRate Checking requirements. 0.50% APY is a variable rate and is effective as of 4/18/19. Balances over $25,000 earn a variable rate of 0.10% APY. Fees could reduce the earnings on the account. ATM 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.


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