Phone: (479) 444-4444

Smart Checking

Our Smart Checking account is a lot more than just free checking! Qualify for high interest rates and ATM fee refunds*!

Summary

Experience the Bank of Fayetteville difference with the best checking account around. Earn 2.75% APY* with no minimum balance or monthly fees!

This free high-interest checking account offers you a premium interest rate with no fees or restrictions. We even refund your service fees when you use non-network ATMs. Smart Checking is an account that can't be beat!

2.75% APY* on balances up to $50,000
0.30% APY* on amount of balance over $50,000
Unlimited check writing
No minimum balance
No monthly fees
ATM fee refunds (up to $25 each month)
Free Visa® Check Card
Free Online Banking with Bill Pay
Free eStatements
Direct deposit available
FDIC insured up to $250,000
0.10% APY* if qualifications are not met

*APY = Annual Percentage Yield

Qualifications

To receive the higher interest rate and ATM fee refunds simply do the following:

Make 10 VISA® CheckCard transactions (excludes ATM transactions)
Transact one direct deposit or ACH auto debit
Sign up for and receive eStatements

And remember, if for some reason you don't qualify for the rewards one cycle, you can meet the qualifications for the next cycle without penalty and still earn 0.10% APY!

More Information

Annual Percentage Yield (APY) accurate as of 05/13/2010. Rate tiers are as follows: 2.75% APY applies to balances of $.01 - $50,000 and 0.30% APY applies to balances over $50,000 as long as qualifications are met each statement cycle. 0.10% APY applies to all balances if qualifications are not met. All balances will earn 2.75% APY to 0.30% APY as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.