FAQs (data-driven)
SmartPay Checking
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What is SMARTPay Checking?
SMARTPay checking is a free checking account with no monthly service fees, debit card rewards, mobile banking, and nationwide ATM access.
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Does SMARTPay Checking earn dividends?
Yes, with SMARTPay Checking, dividend earnings are available on balances greater than $500.
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Who is eligible for a SMARTPay Checking Account?
SMARTPay Checking is available for members ages 13 and older. Members under 18 require a parent or qualified joint ownership on the account.
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Does SMARTPay Checking have monthly fees or minimum balance requirements?
No, SMARTPay Checking has no monthly service fees, minimum balance requirements, or transaction limits.
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Can I earn rewards with SMARTPay Checking?
With a SMARTPay Checking account members earn rewards on qualifying debit card purchases through the Golden Rewards: Points Plus program.