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Our free checking accounts really are FREE.

CHECKING ACCOUNTS

Earn .05% APY with an average balance of $1,000 per quarter. No minimum balance required.

  • No minimum balance requirement

  • No per-check fee

  • No monthly service fee

  • No minimum or maximum transaction requirement

  • Free text banking and e-alerts

  • Access through our mobile app

  • No paper statement fee

  • ATM/Debit chip card

  • Overdraft protection options available

  • First box of checks free


Get MORE from your checking account!

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SMART CENTS

Add to your savings-a few cents at a time! That spare change really adds up...

MAKE SAVINGS AS SIMPLE AS 1,2,3...CENTS!  SMART CENTS ALLOWS YOU TO USE YOUR SMART DEBIT CARD AS YOU NORMALLY WOULD, AND AUTOMATICALLY ROUND UP YOUR PURCHASE TO THE NEAREST DOLLAR.  THE "CENTS" WILL AUTOMATICALLY BE TRANSFERRED TO YOUR SAVINGS ACCOUNT.  

Example: a $4.23 purchase = $0.77 to your savings! 

JUST SWIPE YOUR DEBIT CARD AND SAVE! 

HOW CENTS-IBLE! 

Email Jami at jami@smartfedcu.com to sign up!