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

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 $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