Monthly fee
$0
$0 a year for an everyday customer: fees and interest, $2,000 kept.
SmartBank · Checking account
SmartBank SmartDirect Interest Checking
$0 a year for an everyday customer. No monthly fee. $50 to open.
- A year, everyday customer
- $0
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · smartbank.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · smartbank.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#305of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- ATM fee rebates
- Bill pay
- Check writing
- Debit card
- Free checks
- Interest bearing
- No minimum balance
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- To earn the APY
- Direct deposit or automatic payment is required for account eligibilitysmartbank.com, checked Nov 8, 2026
Fees
- Monthly fee
- Nonesmartbank.com, checked Nov 8, 2026
- Minimum to open
- $50smartbank.com, checked Nov 8, 2026
- Overdraft fee
- $35smartbank.com, checked Nov 8, 2026
- Returned item (NSF) fee
- $35smartbank.com, checked Nov 8, 2026
- ATM fees refunded, up to
- $10 a monthsmartbank.com, checked Nov 8, 2026
- Paper statements
- $5 a monthsmartbank.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees