Smart Value Checking

Powered by BaZing

Enjoy perks like cell phone protection, roadside assistance, identity theft aid, local discounts when shopping, dining, travel and more. Easily sign up for your BaZing rewards by downloading the USB MyPerksNow app from Apple App Store or Google Play. Maintain a $1,000 daily balance, enroll in eStatements and set up direct deposit and we will waive the $6 monthly fee.

Use the MyPerksNow app to save money on the things you're already paying for.

  • Shopping and dining from local stores and restaurants**
  • Nationwide travel, hotel, recreation, and entertainment savings
  • Savings on prescriptions, vision, and hearing aids
  • Cell phone protection - up to $8001,2 
  • Roadside assistance - 24/7, up to $80
  • $10,000 travel accidental death insurance2
  • $2,500 personal identity theft benefit1,2,3 and identity restoration
  • Payment card fraud resolution
  • Buyer’s protection and extended warranty1,2
App Home Screen

Smart banking tools:

  • Online and Mobile Banking
  • Mobile Wallet
  • E-Statements
  • Mobile Check Deposit
  • FREE4 Zero Liability5 Debit Mastercard® 
  • Surcharge-Free4 ATMs
  • Bill Pay
  • Zelle®
  • Debit Card Controls
  • Two-Way Text Alerts
  • Early Direct Deposit

SMALL BUSINESS OWNER?

We’re sending business your way! Join the Discount Network today. Joining the network is a powerful way to promote your local business. It’s free exposure for you and a valuable benefit for customers. Don’t miss out on this great opportunity to promote your business.

Minimum deposit of $25 to open a Smart Value checking account. Monthly maintenance fee is $6.00. The monthly maintenance fee will be waived if a $1,000 minimum daily balance is maintained for every day of the statement cycle period, customer is enrolled in eStatements and sets up recurring direct deposit. Customer purchases checks. Other fees such as insufficient funds, overdraft privilege fee, continuous overdraft fee, etc. may apply. See fee schedule for details.

1 Subject to the terms and conditions detailed in the Guide to Benefits. 2 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. 3 Identity and credit monitoring require additional activation for monitoring to begin. 4 No surcharge fees at Ulster Savings and Allpoint ATMs applies to Ulster Savings cardholders only. Fees may apply at other ATM locations. 5 Certain restrictions, terms, and conditions apply. Contact 1-800-Mastercard for more details. *Value of free gift may be reportable as interest on 1099-MISC form. We reserve the right to substitute a gift of similar value. Free gift provided at the time of account opening. **Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.

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

Lost or Stolen Debit Card Call 866-440-0392
Fraud Monitoring Provider - Enfact: 1-800-262-2024
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