Smart Checking

Smart Checking is the best high interest checking program (commonly referred to as a reward checking program) available because it's the least costly and the most flexible. You decide which technology to use – your core processor's or ours. Plus it's the best at providing meaningful performance reports (honestly you don’t need over 750 data points to successfully manage the results).

High interest checking programs created a lot of buzz initially and "early adopters" got some very good results. Now your success mainly depends on being one of the first financial institutions in your market to offer it and having the best interest rate and easiest conditions to earn it. It’s not about the technology.

Our approach to high interest checking is an "eyes wide open" one - seeing both the potential rewards and real risks that other high interest checking product companies won’t openly talk about. It works in certain situations but not every one. Every time your existing deposits will re-price at the higher rate. This can offset a lot of your anticipated financial gains if you’re not careful.

So don't believe all the hype you hear about high interest checking programs. If you want to know the real deal, let us show you Smart Checking. We'll make sure it fits your situation, your budget and your culture, and works smoothly with the rest of the accounts in your checking line-up and your overall consumer checking strategy.