Smart Choice Checking

Enjoy smart banking tools like mobile wallet, billpay, debit card management, Zelle , surcharge-free1 access to over 52,000 Allpoint ATMS and online statements. Maintain a $500 daily balance or enroll in eStatements and we’ll waive the $5 monthly fee.

Open an Account Icon
Open an Account
Swipe and Save Icon
Swipe and Save
ATM Locator Icon
ATM Locator
Locations Icon
Locations
Online and Mobile Icon
Online and Mobile
  • Instant Issue Debit Masterard
  • Credit Score
  • Mobile Check Deposit
  • Debit Card Controls
  • Zelle®
  • Bill Pay
  • E-Statements
  • Surcharge-Free3 ATMs
  • Budgeting and Spending Tool
  • Real-Time Text Alerts

Minimum deposit of $25 to open a Smart Choice checking account.Monthly maintenance fee is $5.00. The monthly maintenance fee will be waived if ONE of the following applies: $500 minimum daily balance is maintained for every day of the statement cycle period or enrolled in electronic statements. Customer purchases checks. Other fees such as insufficient funds, overdraft privilege fee, continuous overdraft fee, etc. 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. 

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

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