For customers seeking help to get their finances on track: an account  designed to help customers maintain positive balances and avoid overdraft fees.

Account Features

  • A Monthly Maintenance Fee (Service Charge) of $5.00 will be imposed every month unless you maintain a $500.00 minimum daily balance (your account’s qualifying minimum daily balance is the day with the lowest end-of-day ledger balance within a statement cycle).
  • This is a non-interest bearing account.
  • Checks are not provided with this account.
  • This account is not eligible for Online Bill Pay or Overdraft Services.
  • Account is eligible for four (4) Cashier’s Checks, per calendar month, for no additional fees. Additional Cashier’s Checks will be issued at the published fees.
  • Individuals who may have had previous problems properly maintaining a checking account may benefit from this account.
  • $25 Minimum Opening Deposit

Click below to review our current fee schedule and account agreement and disclosures:

Consumer Fee Schedule

Consumer Deposit Account
Agreement and Disclosures


Open an Account

To open a new Money Smart Checking account, please give us a call at 1-800-982-2660 or visit your local branch.

Account Features