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Smart Checking

Smart Checking gives you more for less with no minimum balance and no monthly fees

Call us at 800-341-9911 or visit an office

Do more for free with our Smart Checking account. It’s free to use, with no monthly fee and no minimum balance! You’ll have easy access to your money with a Visa® debit card, paper checks, and online tools. You also get our free mobile app with camera check deposit!

Free Checking Account Features

Free Technology Features

  • Free online banking and Bill Pay service
  • Free Apple Pay®, Google Pay™, and Samsung Pay™ compatibility
  • Free mobile app
  • Free camera check deposit using the mobile app

Other Free Features

  • Free ATM withdrawals at shared ATMs nationwide
  • Free direct deposit
  • Free stop payments
  • Free CompuTeller access

Additional Resources

Add Kwik Cash overdraft protection to your account

Get more with the Royal Platinum Rewards Visa® Credit Card