- SMART Checking Essentials
- No monthly service charge*
- Unlimited check writing privileges
- No minimum balance requirements
- Free ATMs nationwide**
- Free mobile deposit***
- Free online banking & bill pay
- Free mobile banking
- Free e-Statements
- Free debit card
- Minimum deposit of $100 to open
*Monthly service charge of $3 per statement if you don't receive e-Statement.
**First 10 non-FNB ATM withdrawals are free each monthly statement cycle.
***Subject to eligibility requirements.