Smart Draft Checking

• No Monthly Service Charge
• No Minimum Balance
• No Per-Check Charge

Smart Earner Checking

• Higher Competitive Interest
• No Per-Check Charge
• With $1,500 Minimum Balance

Smart Senior Checking
(Age 55+)

• Free Checks
• No Minimum Balance
• No Monthly Service

Charge Smart Student Checking (Full Time Students)

• Free Checks
• No Minimum Balance
• No Monthly Service Charge

Checking Account Features

• Visa Debit Card
• E-Smart Online Banking with Bill Pay
• 22,000 ATMs with Unlimited Use
• Easily Balanced Monthly Statement
• Unlimited Check Writing
• Direct Deposit, Payroll Deduction