Personal Checking
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Features |
CheckSmart Free |
CheckSmart Value |
CheckSmart Seniorv |
CheckSmart Gold |
CheckSmart Platinum |
CheckSmart Money Market |
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Minimum to open |
$10 |
$10 |
$10 |
$10 |
$10 |
$1000 |
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No monthly fee if you maintain monthly balance of |
$0 |
$100 |
$0 |
$500 |
$1000 |
$1000 |
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Monthly fee if your balance drops below account minimum |
$0 |
$7 |
$0 |
$8 |
$8 |
$8 |
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Image statements included |
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Interest-bearing |
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Unlimited Check Writing |
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Direct deposit |
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ATM accessible |
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Free Visa Check Card |
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Credit Reserve with overdraft protection* |
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Visa Credit Card with no annual fee* |
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Free automatic transfers to your savings account or IRA |
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Free online banking |
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Free checks** |
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No-fee Travelers Cheques*** |
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No-fee money orders and cashiers checks |
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Rent-free safe deposit box± |
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Unlimited no fee online payments with PowerPay |
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One-way Sweeps |
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*Subject to credit approval
vAvailable to customers age 55 and over
**Up to $25 per order
***Additional charge of $0.50 per $100 for two-signature Travelers Cheques
±Small sized, when available
†CheckSmart Money Market is limited to six pre-authorized transfers per month, three of which may be checks to third parties. Five dollars per item if limit is exceeded.
The Complete CheckSmart Family Our family of personal checking accounts offers a range of services and benefits, with something for everyone.
CheckSmart Free Our free checking account has unlimited check writing, ATM card and FREE Visa Check card and more.
CheckSmart Value There’s no charge with a minimum $100 balance, plus you enjoy the added convenience of image statements.
CheckSmart Senior This no fee account includes free personal checks ($25 limit) and no-fee Travelers Cheques, money orders and cashiers checks.
CheckSmart Gold There’s no fee with a minimum balance of $500, plus you get free online bill pay and a free safe deposit box.
CheckSmart Platinum
Enjoy free checking with a minimum balance of $1,000, earn interest (
view rates), and benefit from all the services we offer. Free online bill pay.
CheckSmart Money Market A good choice if you want a higher interest-bearing account (
view rates), but do not need unlimited check writing.
One-way sweeps
This service provides a means to manage your checking account by transferring money on a pre-arranged basis from your savings, Equi-loan, or checking account to cover checks as they are presented for payment at the bank.
For more information on Personal Checking call us in Utah County at (801) 642-3456, in Salt Lake County at (801) 428-1046, toll free at (888) 842-3456, or visit one of our 11 branches.