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Smart Checking Plus

Smart Checking Plus lets your balance earn monthly dividends at our great rate

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

Put your money to work for you with our dividend-earning Smart Checking Plus account! Keep your balance above $700 each month to earn dividends at our outstanding rate. Besides the balance requirement and dividends, everything is the same as our Smart Checking account. You’ll get a Visa® debit card, paper checks, and easy online account management tools. You also get our free mobile app with camera check deposit!

Smart Checking Plus Checking Account Features

  • Keep your balance above $700 for the entire month to avoid a $10 monthly charge
  • Free instant-issue Visa® debit card with secure EMV chip
  • 50 free checks for new accounts
  • Free electronic or paper statements
  • Free unlimited check writing

Free Technology Features

  • Free real-time alerts via our mobile app, text message, or email
  • 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


Current Smart Checking Plus Rate



Additional Info

Add Kwik Cash overdraft protection to your account

Get more with the Royal Platinum Rewards Visa® Credit Card