Why SmarterBank?
Opening a SmarterBank account allows you to earn SmarterBucks® rewards every time you use your SmarterBank Visa® Debit Card. That means paying for gas, groceries, coffee, restaurants, and more earns you rewards that help pay down your student loans. Can your bank say that?
Better banking starts here
- A SmarterBank Visa® Debit Card, which you can use to earn extra student loan payments
- Free online bill pay and no charge for ACH transfers
- No monthly fee on active accounts
- No minimum balance requirements
- FDIC-insured up to $250,000
- Access to over 40,000 free ATMS
- Transparent terms, conditions, and fees
Increasing the power of rewards
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Unlimited 0.5% back in SmarterBucks on non-PIN purchases under $100 and 1% back on purchase amounts over $100
(What are non-PIN purchases?) - Earn those percentages on top of any bonus rewards offered when shopping through our SmarterBucks® Marketplace
- Schedule self-contributions directly from your checking account, increasing your debt-crushing power (coming soon)
Features of the SmarterBank checking account
SmarterBank Visa® Debit Card
- Use it anywhere Visa® is accepted
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Earn SmarterBucks®
on all non-PIN purchases
What are non-PIN purchases? - Get cash at over 40,000 convenient, free ATMS
Deposits and money transfers
- Use direct deposit to get the fastest access to your money
- Transfer money electronically to and from another bank – for free
Online banking
- Online bill pay
- Sign up for free mobile alerts so you always know what your money's doing
- Free first order of paper checks
Help when you need it
Security
- FDIC-insured up to $250,000
- Encrypted online banking to protect your identity and your money
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Coverage from Visa’s® Zero Liability Policy, fraud monitoring and identity theft assistance
Learn more
Transparency in our fees
- You’ll find we have some of the lowest fees around. Here’s what they are and how to avoid them
