Bank Smart Checking

Our Bank Smart checking account is certified by Bank On National Account Standards. Bank On, led by national nonprofit organization the Cities for Financial Empowerment Fund (, works to ensure that everyone has access to a safe, affordable transactional banking account. These standards designate accounts with low costs, high functionality, and consumer safety. Maintain a $100 daily balance or enroll in eStatements and we will waive the $3 monthly fee.

  • Online and Mobile Banking - Access your accounts anywhere, anytime.
  • Mobile Wallet - Pay quickly and conveniently with your mobile device.
  • E-Statements - Skip the paper statement and go green.
  • Mobile Check Deposit - Deposit checks with the app on your smartphone.
  • FREE1 Zero Liability2 Debit Mastercard®
  • Surcharge-Free1 ATMs - Access to over 55,000 Surcharge-Free1 ATMs worldwide.
  • Bill Pay - The easiest way to pay your bills. No checks. No stamps.
  • Zelle  - A fast and safe way to send money in minutes.
  • Debit Card Controls - Manage your debit cards in your online banking portal.
  • Two-Way Text Alerts - Receive real time text messaging to confirm or deny suspicious transactions.
  • Early Direct Deposit 
BankOn National Account Standards

Minimum deposit of $25 to open Bank Smart checking account. Monthly maintenance fee is $3.00. The monthly maintenance fee will be waived if ONE of the following applies: $100.00 minimum daily balance is maintained for every day of the statement cycle period or enrolled in electronic statements. Customer purchases checks. This account is not eligible for overdraft privileges. Other fees such as insufficient funds may apply. See fee schedule for details. 1 No surcharge fees at Ulster Savings and Allpoint ATMs applies to Ulster Savings cardholders only. Fees may apply at other ATM locations. 2 Certain restrictions, terms, and conditions apply. Contact 1-800-Mastercard for more details.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

24/7 Debit Card Support: 866-440-0392
Calls from 800-262-2024 are from our fraud monitoring provider Enfact.
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