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 Cards - No more waiting for your card to come in the mail.
  • Online and Mobile Banking - Access your accounts anywhere, anytime.
  • Free1 Zero Liability2 Debit Mastercard®
  • Free Credit Score - check your credit score anytime inside online banking.
  • Early Direct Deposit - You may receive your funds one day earlier.
  • Zelle - A fast and safe way to send money in minutes.
  • Mobile Check Deposit - Deposit checks with the app on your smartphone.
  • Surcharge-Free1 ATMs - Access to over 55,000 Surcharge-Free1 ATMs worldwide.
  • Mobile Wallet - Pay quickly and conveniently with your mobile device.
  • Budget Smart - A spending and budgeting tool inside online banking.
  • Bill Pay - The easiest way to pay your bills. No checks. No stamps.
  • Debit Card Controls - Manage your debit cards in your online banking portal.
  • Two-Way Text Alerts - Receive real time text messages to confirm or deny suspicious transactions.
  • E-Statements - Skip the paper statement and go green.

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. 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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