Smart Start Checking

FREE Checking for Teens and Young Adults

Whether you’re a parent teaching financial responsibility to your kids, or a young adult already enjoying your independence, we have a worry-free account for you.

No Fees

With free mobile deposits, free online bill pay, and no monthly fees, checking has never been easier.


Easily manage your money on your laptop or phone with our free online and mobile banking tools.

ATM Card

Ages 13 +
They get the independence of their own ATM card. You supervise, while they gain experience.

Debit Card

Ages 16 +
If using a smartphone or smartwatch with a Digital Wallet is a priority, we’ve got your back.


Split the cost of dinner with friends. Securely send money to friends and family within minutes.

Mobile Check Deposit

All it takes is a smartphone to deposit a check.


Paperless statements are fast, free and secure.

Easy Bill Pay

Pay your bills online or on the mobile app with a simple click or two.

Ages 13-25 are eligible

Great for parents with kids under 18. You want them to learn and gain independence, but you can still supervise as needed.

Open a free checking account with us today!

Swing by any of our convenient local branches, and we’ll walk you through these super-easy steps:

  1. Bring your valid ID
  2. Sign account documents
  3. Get your online banking all set up
  4. Download our App
Find a Location Give Us A Call

No Minimums
Stress less with no minimum opening deposit and no minimum balance required.

Enjoy free mobile and in-person transactions, as well as unlimited check writing.

No monthly service fees when using e-statements.
Your first check order is free.

Find a Location Give Us A Call

The use of Zelle® requires a U.S. checking or savings account. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Cellular phone carrier messaging and data rates may apply. Zelle® is wholly owned by Early Warning Services, LLC and are used herein under license.

Valid ID includes one of the following government issued IDs: Driver’s License, State ID, US Passport, Gun Carry Permit, Military ID or Permanent Resident Card.

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