Smart Start Checking

Our Smart Start Checking account is a free1 account specifically designed for students between the ages of 13 and 17 years old with a parent/guardian joint owner. Get $25* deposited into your account when you complete a 10 module playlist in our online financial education center. After you have fully completed all 10 short modules, you will be able to download a certificate. Please deliver this certificate to the bank by mail, email, or in person when you open your new account to receive your $25* deposit.

  • 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.
  • Surcharge-Free1 ATMs - Access to over 55,000 Surcharge-Free1 ATMs worldwide.
  • FREE1 Zero Liability2 Debit Mastercard®
  • 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 .

1 Minimum opening deposit of $25. Customer purchases checks after first free set. Other fees such as insufficient funds, overdraft privilege fee, continuous overdraft fee, etc. may apply. See fee schedule for details. *Ask an account representative at time of account opening for details. Account credit is reported on a 1099-INT as interest earned. 2 No surcharge fees at Ulster Savings and Allpoint ATMs applies to Ulster Savings cardholders only. Fees may apply at other ATM locations. 3 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.

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