Personal Checking Accounts

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Our personal checking accounts offer a variety of features and benefits and are designed to meet different lifestyles and financial needs. Choose the one that meets your personal requirements.

Choose an account below:

 

SMART Checking

A budget friendly account that offers the convenience and security features that SMART customers are looking for

  • $100.00 deposit to open
  • Enhanced MasterCard Debit Card 
  • 24/7 smsGuardian protection for your MasterCard Debit Card at no cost (enrollment required)
  • 24/7 access to Online Banking, BillPay and Telephone Banking at no cost
  • Identity Theft Protection Service and Cellular Telephone Protection Insurance
  • $5.95 Monthly Maintenance Fee
    • Fee reduced by $3.00 with e-Statement enrollment
    • Fee reduced by $2.95 with $5,000.00 minimum daily balance
    • Or earn a $5.95 Relationship Credit toward the $5.95 Maintenance Fee if a $25,000 or more combined Average Balance is maintained in the Checking, Savings, CD, ad IRA accounts linked to your Profile.
  • Optional $500 No Bounce Banking Overdraft Privilege after 30 day qualification period *subject to disclosed conditions

Green Checking

An account for the customer who enjoys the convenience of electronic banking that offers freedom from minimum balance requirements or monthly maintenance fees

  • No minimum deposit to open. Direct Deposit can be opening deposit
  • Paperless banking when you:
    • Use your Enhanced MasterCard Debit Card
    • Use Direct Deposit
    • Transfer Funds, Check Balances, Pay Bills with 24/7 access to Online Banking/BillPay
    • Use 24/7 Telephone Banking access
  • 24/7 smsGuardian protection for your MasterCard Debit Card at no cost (enrollment required)
  • E-Statements required
  • Optional $500 No Bounce Banking Overdraft Privilege after 30 day qualification period *subject to disclosed conditions
A $5.00 per item fee will be applied for any paper check or paper draft processed during the statement cycle

Student Checking

  • $100.00 deposit to open
  • Available to full-time students only*
  • No check charge fee or maintenance fee regardless of balance
  • Statements issued and mailed out monthly
*Account holder must qualify as a full-time student at a high school, college, university or technical college. If account holder no longer meets qualifications of a student, the account will be converted into another account type appropriate to your financial needs.

Direct Deposit Account

Security Combined With Limited Check Need

  • No minimum deposit to open. Direct Deposit can be opening deposit
  • A maintenance fee of $3.00 will be charged each statement cycle (monthly)
  • Withdrawals are limited to over-the-counter withdrawals - No checks are issued on this account.
  • Allowed up to five (5) over-the-counter withdrawals per statement cycle*
*An excessive withdrawal fee of $0.50 will be charged for withdrawals in excess of five during a statement cycle

SMART Senior Checking

An interest-bearing account tailored to meet the needs of the SMART customer who is 62 and older

  • $100.00 deposit to open
  • Enhanced MasterCard Debit Card
  • 24/7 smsGuardian protection for your MasterCard Debit Card at no cost (enrollment required)
  • One box of personalized checks at no charge per 12 month period
  • 24/7 access to Online Banking, BillPay and Telephone Banking at no cost
  • Identity Theft Protection Service and Cellular Telephone Protection Service
  • Interest paid on balances greater than $0.00
  • $3.00 Monthly Maintenance Fee
    • Fee reduced by $3.00
      • with e-Statement enrollment; or
      • by maintaining a $5,000.00 minimum daily balance; or
      • by earning a $3.00 Relationship Credit by maintaining a $25,000 combined Average Ledger Balance in the Checking, Savings, CD and IRA accounts linked to your profile
  • Optional $500 No Bounce Banking Overdraft Privilege after 30 day qualification period *subject to disclosed conditions

SMART Plus Checking

A premium interest bearing account with all the benefits and features of our SMART checking account

  • $100.00 deposit to open
  • Enhanced MasterCard Debit Card
  • 24/7 smsGuardian protection for your MasterCard Debit Card at no cost (enrollment required)
  • 24/7 access to Online Banking, BillPay and Telephone Banking at no cost
  • No Foreign ATM Network fees
  • Identity Theft Protection Service and Cellular Telephone Protection Service
  • Monthly E-Statement required
  • 12-month CD interest rate paid on balances greater than $0.00 but less than $20,000.01 when 2 of the following requirements are met each statement cycle:
    • Have at least 2 ACH transactions per statement cycle
    • Access CarolinaLink at least once per statement cycle
    • Make at least 10 purchases using your MasterCard Debit Card per statement cycle (ATM withdrawals not included)
  • $2.95 Monthly Maintenance Fee
    • Fee reduced by $2.95
      • by maintaining a $5,000.00 minimum daily balance; or
      • by earning a $2.95 Relationship Credit by maintaining a $25,000 combined Average Ledger Balance in the Checking, Savings, CD and IRA accounts linked to your profile
  • Optional $500  No Bounce Banking Overdraft Privilege after 30 day qualification period *subject to disclosed conditions