The Smart Checking account offers a bunch of perks, plus tiered interest rates, though the features and fees we mention may have changed since we last contacted them on Oct. 22, 2018.
For both rate tiers, you get free standard checks, higher ATM withdrawal limits, higher rates on money market and CD accounts, e-statements, and online and mobile banking. As for tier one, which is any balance amount less than $25,000, youâ€™ll get a $15 credit toward services such as overdrafts, refunds on out-of-network ATM surcharges and incoming wires.
For tier two, when your account balance reaches $25,000 and higher, youâ€™ll get a $30 credit toward the same services, plus get unlimited ATM refunds and the monthly maintenance fee waived.
Opening an account is as simple as showing up at your nearest branch and providing documents, such as your Social Security number and state-issued ID.