Young adult woman in school 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

  • 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

Additional Resources

Add Kwik Cash overdraft protection to your account

Get more with the Royal Platinum Rewards Visa® Credit Card