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Smart Checking -

The Smart Way to Build Your Balance

With Smart Checking you can earn 2.05% APY* on your account balance just by meeting some simple qualifications that you probably already do. Smart Checking helps you bank the safer, more secure way with your Visa Check Card and Online Banking. There is no minimum balance requirement, plus you'll receive ATM fee refunds so you can bank when and where you want!

You can earn the 2.05% APY on balances up to $10,000, or for more than $10,000 you'll still earn .10% APY when the qualifications are met.


BalanceRangeRateAnnual Percentage Yield (APY)*
Balance above $10,000.01+.10%.10%*


It's easy to qualify for Smart Checking

- Have at least 12 Visa Check Card purchases post and clear
- Access Online Banking
- Enroll and Receive eStatements
- Have at least one direct deposit, bill pay or automatic debit (ACH transaction). post and clear

To find out more go to

And now, introducing a new way to build your savings balance even more with Smart Checking Plus Smart Saver. Click here to learn more.


*Annual Percentage Yield (APY) accurate as of June 22, 2013. Minimum to open account is $100. Rate tiers are as follows: 2.05% APY applies to balances of $.01 - $10,000 and .10% APY paid on balances over $10,000 as long as qualifications are met each statement cycle. Blended APY of .75% assumes a $30,000 balance.

Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to the account. An activated eStatement is a requirement and qualification for the account. If eStatements are not activated by the second statement cycle, the account will be converted to a Direct Checking Account. If you do not meet the qualifications during the monthly qualification cycle, the account will earn .05% APY and you will not receive ATM refunds for that time period. Rates are subject to change. Fees may reduce earnings. Available on personal accounts only. Limit one account per customer. Online banking sign-on qualification valid only through personal online banking. ATM fee refunds up to $5 per transaction, refund includes Bank waived foreign ATM fee of $2, plus an additional refund up to $3 for ATM surcharges applied by other institutions.


Qualification Cycles
MonthCycle CutoffQualification PeriodInterest Period
January1/23/201512/23 - 1/2212/24 - 1/23
February2/20/20151/23 - 2/191/24 - 2/20
March3/23/20152/20 - 3/202/21 - 3/23
April4/23/20153/21 - 4/223/24 - 4/23
May5/22/20154/23 - 5/214/24 - 5/22
June6/23/20155/22 - 6/225/23 - 6/23
July7/23/20156/23 - 7/226/24 - 7/23
August8/21/20157/23 - 8/207/24 - 8/21
September9/23/20158/21 - 9/228/22 - 9/23
October10/23/20159/23 - 10/229/24 - 10/23
November11/23/201510/23 - 11/2010/24 - 11/23
December12/23/201511/21 - 12/2211/24 - 12/23



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