SmartPoint

A checking account that makes the grade

Cash back.Interest earning, and IDProtect® - Identity Theft Protection Services1, all in one package!

Our premier option, SmartPoint is a streamlined, hardworking account with substantial rewards and sophisticated protection for your personal information. Get cash back in your pocket when you use your debit card, plus interest for keeping a higher balance, all for a service charge of just $10 per month, Rewards also include up to $10 in ATM refunds per statement cycle. Focus on what really matters and experience stress-free banking, here with us.

SmartPoint Checking Account
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Summary
  • $10 monthly service charge
  • 1% cash back on the first $1,500 of debit card purchases
  • 1% Interest paid (1.00% Annual Percentage Yield) on balances up to $20,000 and .05% interest paid (.05% APY) on balances above $20,000 -- requires daily minimum balance of $1500 or more
  • Up to $10 in refunds on your ATM fees per statement cycle
  • Free HomeBanker online banking
  • Free OneClick Bill Pay
  • Free MAbank mobile banking
  • Free Visa® Debit Card
  • Free eStatements
  • Checks allowed
  • $50 to open
  • IDProtect® - Identity theft monitoring and resolution service for you, your joint account holders, and eligible family members1
  • Cellular Telephone Protection2,4

Is SmartPoint right for you?

For competitive rewards and all the benefits of premium checking, SmartPoint is your ideal account.


*Protection for you, joint account holders, your spouse, qualifying domestic partner, dependent children up to age 25 and parents living in the same household as the account owner. See full disclosure for additional details.


**Eligible account holders recieve up to $300 of Cellular Telephone Coverage to reimburse the cost of replacing or repairing your device. Covers you a home or abroad. Maximum of two claims per year.



1 IDProtect is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a "signer" on the account who is not an account owner. Family includes: Spouse, person qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household.

2 Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and aboard. Maximum of two claims per year. Covers the first three phones on a cellular telephone bill paid through your checking account. (Cellular telephone bill must be paid using eligible account).

3 Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

4 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.