Smart Checking
Earn 2.50% APY* and ATM refunds with no minimum balance requirements!
You're always looking for ways to stretch your money further. Getting a free checking account is smart, but a free checking account that actually pays you a high rate of interest? Now, that's even smarter -- that's why we had to name it Smart Checking!
With Smart Checking you get unlimited checking and a super interest rate with no monthly minimum balance to maintain and absolutely no monthly service charge. Plus, you'll enjoy ATM refunds nationwide...and it's easy to qualify!
If you don't meet the qualifications one monthly qualification cycle, have no fear -- you still get an excellent free checking account with unlimited check writing and our base rate of interest. And you can get the rewards back the next month.
Make the smart choice and open your Smart Checking Account today!
- Summary
- 2.50% APY* on balances up to $15,000
- 0.25% APY* on balances over $15,000
- 0.10% APY* base rate if qualifications aren't met
- ATM Fee Refunds (up to $25 each cycle)**
- No Monthly Service Charges
- No Minimum Monthly Balance
- Unlimited Check Writing
- MasterCard® SHAZAMChek Card
- Free Online Banking with Bill Pay
- Free E-Statements
- DANA Telephone Banking
- Direct Deposit available
- Overdraft Protection available**
- $25 to open
- NCUA Insured
Watch a video explaining more about Smart Checking.
*APY = Annual Percentage Yield. See "More Information" tab above for details.
**Must meet qualifications
Click Here to View 2012 Smart Checking Qualifications Calendar
In order to receive the Smart Rate and ATM fee refunds, simply do the following everyday activities:
- Have at least 12 debit card purchases post and clear
- Have at least 1 automatic payment or direct deposit post and clear
- Receive and review e-statement
- Access online banking
Minimum to open account is $25. Annual Percentage Yield (APY) accurate as of 01/01/2012; the last dividend declaration date. Rate tiers are as follows: 2.50% APY applies to balances of $0.00 - $15,000.00 and 0.25% APY applies to balances over $15,000.00 if qualifications are met each monthly qualification cycle. 0.10% APY applies to all balances if monthly qualifications are not met. All balances will earn 0.25% APY - 2.50% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings on the account. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. **ATM Fee reimbursements up to $25.00 provided only if qualifications are met within the monthly qualification cycle
