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Smart Tunes Checking

The new exciting way to bank!

Welcome to Smart Tunes, it's the new checking account that rewards you with iTunes® download credits. It's a free account, and it's great for anyone who enjoys downloading music and apps. Here's what this great account can offer you!

- $5 in iTunes download credits each month qualifications are met
- Nationwide ATM fee refunds (up to $5 per transaction)
- No minimum balance
- No monthly service fees

Plus, for a limited time enjoy a New Account Bonus of $10 in iTunes download credits.

It's easy to qualify, simply -
- Have at least 12 Visa Check Card purchases post and clear
- Access Online Banking
- Enroll and Receive eStatements

That's all there is to it! Once you have earned your iTunes download credits, simply go to the iTunes Online Store and make your purchase with your Visa Check Card that is tied to your Smart Tunes account. Then on your next monthly statement you will receive the credit back to your account for the $5 (or up to the available credits in your account). It's fun, free and easy!

Don't wait, stop into any branch office, or use our easy Switch Kit to get the process started. Then you can start earning iTunes credits today!

No minimum balance required; however you must deposit a minimum of $100 to open the account. Earn iTunes® download refunds up to $10.00 with initial account opening regardless of qualifications. Earn up to $5 in iTunes download refunds each cycle the minimum qualifications are met. Downloads must be purchased with your check card associated with your Smart Tunes 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 per cycle, your account will still function as a free checking account; however, it will not receive ATM refunds or iTunes refunds for that time period. iTunes is a registered trademark of Apple, Inc. Apple Inc. is not a participant in or sponsor of this program.
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. Available on personal accounts only. Limit one account per customer. Online banking sign-on qualification valid only through personal online banking. PIN based transactions do not count toward qualifying debit card transactions. 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.




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