Phone: (800) 742-2848

Smart Checking

Earn 3.01% APY* and free 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 month, 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

3.01% APY* on balances up to $25,000
1.01% APY* on balances over $25,000
0.10% APY* base rate if qualifications aren't met
Free ATM fee refunds (up to $25 each month)**
No monthly service charges
No minimum balance
Unlimited check writing
MasterCard® SHAZAMChek Card
Free Online Banking with Bill Pay
Free eStatements
DANA Telephone Banking
Direct deposit available
Overdraft 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 2010 Smart Checking Qualification Calendar

Click here to view Reg E opt-in form

Qualifications

In order to receive the Smart Rate and ATM fee refunds, simply do the following everyday activities:

Make 12 debit card transactions monthly
Make one ACH Direct Deposit or Automatic Payment monthly
Enroll and receive eStatements

Click Here to View 2010 Qualification Calendar

More Information

Annual Percentage Yield (APY) accurate as of 09/01/2010. Minimum to open account is $25. Rate tiers are as follows: 3.01% APY applies to balances of $.01 - $25,000 and 1.01% APY applies to balances over $25,000 as long as qualifications are met each statement cycle. 0.10% APY applies to all balances if qualifications are not met. All balances will earn 3.01% APY to 1.01% APY as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.