Young adult woman in school

Smart Start Checking

Smart Start Checking has extra perks for young adults plus no minimum balance and no monthly fees

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

Writing the first chapter of your financial story is easy with a Smart Start Checking account! This free checking account is designed especially for ages 13-25. It includes two free NSF refunds per year^. You’ll also qualify for Way-to-Go Rewards with on-time payments on a Smart Start Auto Loan or Smart Start Home Loan. Smart Start Checking accounts come with a Visa® debit card, paper checks, and easy online account management tools. You also get our free mobile app with camera check deposit!

Free Smart Start Checking Account Features

  • Two free NSF refunds per year^
  • Way-to-Go Rewards for on-time auto or home loan payments
  • 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

Other Free Features


Additional Resources

Add Kwik Cash overdraft protection to your account

Get more with the Royal Platinum Rewards Visa® Credit Card