Every Smart Checking account comes with:

All Smart Financial Checking products are subject to approval. If you're a new member and using a checking account to establish Smart Financial membership, you will pay a one-time $5 entrance fee in addition to the minimum opening deposit required by the account.

Monthly Statements: All accounts default to e-statement delivery through Digital Banking. Members may opt in for paper statements by submitting a secure message through Digital Banking. Smart Choice account holders receive a $2 monthly fee when opted in for paper statement delivery. Smart Scholar, Smart Start and Premier checking offer the paper statement option without a fee.

1. Smart Choice Checking is subject to a $10 monthly service fee. Requirements to waive the fee include one of the following: 1) have a monthly recurring direct deposit of $500 or more, 2) complete at least 20 Point Of Sale (POS) debit card transactions per month (ATM transactions do not apply), OR 3) primary account holder is 65 years of age or older. If direct deposit stops AND POS transactions stop meeting these requirements within a 30 day statement period, the $10 monthly service fee will apply and will continue to be charged to your account until ONE of the THREE qualifications has been re-established. The monthly service fee will be waived for the first 3-months of account opening to allow for the initiation of the direct deposit.

2. Smart Premier Checking is subject to a $15 monthly service fee. Requirement to waive the fee includes maintaining an average of $15,000 combined loan and account balances per month. If balances drop below threshold, the $15 monthly service fee will apply and will continue to be charged to your account until average daily balances meet the account requirements. Smart Premier dividend rate is tiered and based on average balance during a 30-day period. Rates are subject to change and posted at smartcu.org/rates.

3. Overdraft Protection Options: Overdraft Protection from Savings accounts will receive a small draw fee per day when funds are required to pay checking transactions that exceed $10. Fee amount is listed on our Rates & Fee Schedule at smartcu.org/rates. Overdraft Protection from Line of Credit charges no fee when additional funds are required to pay checking account transactions. Discretionary Overdraft Protection (DOP) Program and Line of Credit (LOC) privileges must be qualified and approved. Learn more.

4. Mobile Deposit is available through our Mobile App. There are restrictions and qualifications in order to be eligible for this service. Your account must be open at least 60 days and maintain a positive balance. All checks deposited through the mobile app are not made available immediately. Other restrictions apply. Learn more at smartcu.org/mobile.

5. Premier accounts will be reimbursed up to $10 per month, or $120 per calendar year, for accrued ATM surcharges (3rd party fees). In addition, no Smart Financial ATM fees will accrue on Smart Premier accounts. Money Orders and Cashier's Checks will be provided at no charge.