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
- Fee reduced by $3.00
- 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
- Fee reduced by $2.95
- Optional $500 No Bounce Banking Overdraft Privilege after 30 day qualification period *subject to disclosed conditions