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- Minimum opening balance: $50
- Minimum requirements to avoid a $7 monthly service fee: at least 10 debit card transactions, OR a direct deposit of at least $100 per statement cycle, OR a $1,000 average balance
- Unlimited check writing and debit card transactions
- Unlimited deposits and withdrawals
- Overdraft protection available
- Monthly statement listing cancelled checks; imaged statement available for a monthly fee; eStatements available
This personal checking account is free when any one of three minimum monthly requirements are met. Make at least 10 debit card transactions a month? Then Smart Choice Banking is the account for you. This streamlined account is also a perfect choice for students.