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Personal Banking - Personal Checking Accounts
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Free Checking
Simple, straightforward, free.
- Balance to Open $50.00
- No Minimum Balance Required
- Non-Interest Bearing Account
- No Monthly Service Fee
- Unlimited Checking Writing
- ATM Access Without Fee at SMB&T ATMs
- First order of Personalized Standard Bank Checks Free
- Free ATM/Debit Card
- Free Direct Deposit and Automatic Payments
- Free Internet Banking, Bill Pay and Check Images
Access Plus Checking
Interest for individuals who keep balances of $500 or more.
- Balance to Open $50.00
- Minimum Balance to Avoid Monthly Maintenance Fee $500
- Monthly Maintenance Fee (If Below Minimum) $5
- Interest Paid if Minimum Balance of $500 Obtained
- Unlimited Check Writing
- First Box of Personalized Standard Bank Checks Free or $10 Towards Upgrade
- Unlimited SMB&T ATM Access
- Free ATM/Debit Card
- Free Direct Deposit and Automatic Payments
- Free Internet Banking, Bill Pay and Check Images
- Monthly Statements
Classic Horizons Club
Access 50
Free for anyone over 50.
- Free for Anyone 50 and Older
- Balance to Open $50.00
- No Monthly Maintenance Fee
- Interest Paid if Minimum $500 Balance is Maintained
- Free Personalized Standard Bank Checks Including Re-orders or $10 Towards Other Styles
- Unlimited Check Writing
- Unlimited SMB&T ATM Access
- Free ATM/Debit Card
- Free Direct Deposit and Automatic Payment Deductions
- Monthly Statements
- Free Internet Banking, Bill Pay and Check Images
Ultimate Checking
Higher interest for individuals who keep balances of $500 or more.
- Balance to Open $50.00
- Interest Paid if Minimum $1000 Balance is Maintained
- Monthly Maintenance Fee of $6.50 Waived With Direct Deposit or Automatic Loan Payment
- Unlimited Check Writing With No Fee Per Check Charge
- First Box of Personalized Standard Bank Checks Free or $10 Towards Upgrade
- Unlimited SMB&T ATM Access
- Free ATM/Debit Card
- Free Direct Deposit and Automatic Payments
- Free Internet Banking, Bill Pay, and Check Images
- Detailed Monthly Statements
Prestige Checking
Higher interest for individuals who keep balances of $1000 or more.
- Interest Paid if Minimum $1000 Balance is Maintained
- Monthly Maintenance Fee if Below Minimum $10
- Higher Interest Paid if Minimum $2500 Balance is Maintained
- Unlimited Check Writing
- First Box of Personalized Standard Bank Checks Free or $10 Towards Upgrade
- Unlimited SMB&T ATM Access
- Free ATM/Debit Card
- Free Direct Deposit and Automatic Payments
- Free Internet Banking, Bill Pay, and Check Images
- Detailed Monthly Statements
- Ask a New Account Representative for current interest rates. Interest rates are subject to change.
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