Bank Smart Checking

Our Bank Smart1 Checking Account is certified by Bank On National Account Standards. Bank On, led by national nonprofit organization the Cities for Financial Empowerment Fund (CFEFund.org), works to ensure that everyone has access to a safe, affordable transactional banking account.

Maintain a $100 daily balance or enroll in eStatements and we will waive the $3 monthly fee. You may make an unlimited number of withdrawals from your account at Ulster Savings Bank or Allpoint ATMs using your Ulster Savings Bank Debit MasterCard® or Ulster Savings Bank ATM card.

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ATM Locator
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Budget Bundle
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Checking Accounts
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Online and Mobile Banking
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Zelle

Our online banking tools enable you to better manage your finances any time you want from any location. You can access all of these convenient features with every checking account:

  • Instant Issue Debit Mastercard® - Get your debit card instantly at our branches.
  • Credit Score - Stay on top of your financial health with free access to your credit score.
  • Zelle® - Send and receive money quickly and securely—right from your banking app.
  • Mobile Check Deposit - Deposit checks in a snap!
  • Surcharge-Free2 ATMs - Access your cash without the fees at thousands of surcharge- free ATMs nationwide.
  • Budgeting and Spending Tool - Take control of your finances with our intuitive budgeting and spending tool.
  • Bill Pay - Pay your bills effortlessly with our fast, secure, and easy-to-use bill pay feature.
  • Debit Card Controls - Stay in charge of your spending with customizable debit card controls.
  • Real-Time Text Alerts - Stay informed of your account activity with real-time, two- way text alerts.
Open an Account Credit Score Swipe and Save

1 Minimum deposit of $25. Customer purchases checks. Other fees such as insufficient funds, overdraft privilege fee, continuous overdraft fee, etc. may apply. See fee schedule for details. 2 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.

©Mastercard 2025

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