Smart Plus Checking
Smart Plus Checking is everything you need in a checking account.
It’s your account; you control how it works for you. Open with $25 and begin earning up to 2.53% APYdisclosure1 when you meet the four activity qualifiersdisclosure2 below each month.
- $1,500 in Direct Deposit transactions per month.
- Complete 20 Debit and/or Credit transactions per month.disclosure3
- Log in to the Mobile App or Online Account Access at least once per month.
- Go Paperless with eStatements.
We’re working harder to help you bank smarter. Take advantage of these other account perks.
- Complimentary Credit Score Analysis
- Bill Payment
- Snap Deposit disclosure 4
- No Minimum Balance
- No Monthly Service Charge
- Free VISA Debit Card
- Electronic statement
- Unlimited check writing privilege
- 3-D Secure by VISA
- Pay Privilege disclosure5
- Overdraft protection is offered as a transfer from your share savings account or from a line of credit disclosure 6
- 24-hour accessibility using Online Account Access (Interactive internet access), Automated Account Access (touch-tone phone access), and Debit card access.
- 55 + members earn .05% APY on all balances. When qualifiers are met, balance rate tiers apply. One complimentary box of checks may be requested annually.
1 APY is annual percentage yield. $0 – $25,000.00 2.53% APY, $25,000.01 and up .50% APY. Dividends are calculated monthly on your daily balance. Rates subject to change without notice. go back to content
2 Activity Qualifiers trigger interest rate calculation on eligible balances. They are not required in order to use the account.go back to content
3 PIN or signature-based transactions on both Debit and Credit transactions are combined to meet criteria. go back to content
4 Eligible after 60 days when account is in good standing go back to content
5 Restrictions apply to both new and existing accounts.go back to content
6 Overdraft line of credit is subject to credit approval. go back to content
Spend. Save. Thrive.
5.9% APR on all balance transfers for the life of the balance!
Announcements
- COVID-19 Updates
- Economic Stimulus Payment information
- Annual Meeting
- Escheatment Notice
- ExxonMobil Lockout Relief Resources
