smart checking earn a great rate

Our checking account earns a great rate!  Click View Rates below to see what we’re paying now!

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Smart Checking

My Smart Checking is a free checking account that earns a great interest rate when you meet 3 easy requirements!

1st requirement – Have 10 VISA debit card transactions* clear your account each calendar month. To make qualified purchases make sure you press the credit button.

2nd requirement – Receive e-statements. E-statements are a fast and secure way to receive your statement online.

3rd requirement – Have one ACH deposit or withdrawal from your checking account per month. Have your payroll, social security, child support, pension or other check direct deposited. You could also have one of your bills electronically withdrawn each month.

Smart Checking Features:

  • No minimum to open
  • Free Debit Card
  • No minimum balance
  • Free Online Banking
  • No monthly fees
  • Free My Billpay
  • Unlimited check writing


You can check to see if you’ve met the requirements online:

  1. Login to your account online.  instructions for logging in
  2. Click on Account Summary under the My Accounts Menu
  3. Next to your My Smart Checking Balances you will see a blue dot with the letters QD in it.
  4. Click on the QD dot then Click on Status.
  5. You will see which of the 3 requirements you have met or not met for the month.
*To make sure your debit card transaction qualify look for the letters DBT at the beginning of the description in your account summary.  There are some business like Kroger, Walmart and McDonalds that are not running transactions as credit under a certain dollar amount. even when you sign your name.  These transactions WILL NOT count towards the 10 required for the month. Contact us with questions at 260-432-3433.

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