Personal Checking Accounts

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
• Green Checking
• Student Checking
• Direct Deposit Account
• SMART Senior Checking
• SMART Plus Checking

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