- Competitive interest rate
- No monthly maintenance fee
- Free online banking with bill pay
- Free e-statements; paperless statements are e-mailed in a fast, convenient and secure method.
- Free direct deposit
- Surcharge-free ATM usage anywhere in the U.S.* Go green and say “no” to ATM receipts!
- 25% discount on safe deposit box rental
- SmartPrivilege Overdraft Protection limit of $200
* Limit 10 surcharge-free ATM withdrawals per month.
SmartPrivilege Overdraft Protection Service
Fees for use of overdraft protection are $30.00 per item charged up to the $200 overdraft protection limit. Fees may be imposed for covering overdrafts resulting from checks, in-person withdrawals, or electronic means such as debit card transactions. We reserve the right to require repayment of an overdraft balance on demand. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have incurred too many overdrafts. Once the $200.00 overdraft protection limit is met, the standard NSF fees of $30.00 per item will apply. In order to receive SmartPrivilege Overdraft Protection, clients must meet SmartBank’s eligibility requirements.