$mart Checking is perfect for members looking for a checking account with no monthly fee. Plus, $mart Checking holders can qualify for a bonus rate, too!

• No minimum opening deposit
• Access to over 67,000 surcharge-free ATMs nationwide
• Free instant issue VISA debit card

*APY = Annual Percentage Yield. APY is accurate as of 10/1/24 and subject to change. If minimum qualification requirements are met during the monthly qualification cycle, and maintain at least $1,00 daily balance, 5.10% APY will apply to balances $50,000.00 and below and 0.10% APY will apply to balances of $50,000.01 or more. Fees may reduce earnings on the account. If all minimum qualification requirements are met except you do not maintain a minimum $1,000 daily balance during the monthly qualification cycle, 5.00% APY will apply to your entire balance. If you do not meet minimum qualification requirements but maintain a minimum $1,000 average daily balance during the monthly qualification cycle, 0.10% APY will apply to the entire balance. Other restrictions may apply. See our deposit rates for all current $mart Checking rates.