If you don’t qualify for the Roam Free checking account or Green Account checking due to a low credit score, don’t fret, we have another great option: Smart Checking.

With Smart Checking, you’ll enjoy the convenience and benefits of having a checking account—complete with checks, a VISA debit card and free online banking, bill pay and mobile banking. Checking accounts are a great way to manage your money and Smart Checking is a great tool in taking steps towards sound money management.


  • $10 monthly service fee
  • $25 account opening
  • No minimum balance
  • No dividend rate
  • Free VISA debit card
  • Free online banking, bill pay and mobile banking
  • Checks available for purchase


Direct Deposit

Get paid—presto!—money appears in your checking or savings account. And you didn’t even lift a finger.

Online Services

Check funds, pay bills, transfer money, even open an account, no matter where you are. Maybe not the moon.

Mobile Banking

Anywhere and anytime free access with our web-based mobile banking and Android/iOS apps.