Open a SMARTStart checking account today and start paying bills online, earning rewards points with your debit card, free mobile apps, and much more.
SMARTStart Checking is the perfect free account for teens and young adults.
New Member?Open an Account
Already a Member? Log in.Open Another Account
SMARTStart Checking with Visa Debit
Receive a free Visa Debit card when you open a SMARTStart checking account to use everywhere Visa is accepted. Set up direct deposit with your employer and begin experiencing the benefits of a SMARTStart checking account.
- Visa Debit Card
- Debit Rewards
- Mobile Services
- Online Services
- Free Bill Pay
- Free eAlerts
- Free access at 30,000 ATMs nationwide
- Personalize your debit card
- No monthly/annual service fees
- No minimum balance requirement
- Unlimited transactions
- Earn dividends on balances greater than $500
- Visa cards issued instantly at any branch
First-Time Auto Buyer
You’re in the driver’s seat with your education and your first auto loan. We’ll get you the best rate possible for your new ride to school, even if you don’t have an established credit history. Get pre-approved online or at any branch for free today.
Save for a raining day with a traditional savings account or a term savings account. Open and maintain a savings account with as little as $5. Open a Flex 12-month deposit account to:
- Earn dividends on funds
- Add money at any time
- No monthly service fees
- NCUA Insurance
Students under age 18 will need a parent and/or qualified joint owner on the account.