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.
friends walking in forest

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.

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
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
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!


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