Smart Checking
High fees, low interest rates, and big nationwide banks leave you wanting more? It's time to break-up with your old checking account and give Smart Checking a try.
Smart Checking is Different
We've worked hard to design an account that is simple, saves you time and money, and reduces our impact on the environment. If you're the kind of person who never wants to see a paper statement ever again (hurray for email!), this is the account for you.
Take a look at the benefits, and decide if this relationship is worth pursuing.
Great Interest Rates
Tired of accounts that only pay good interest rates for higher balances? Smart Checking pays a great rate with no minimum balance requirements.
$10 Overdraft Fees
Everyone makes mistakes, we want to help ease the burden. With our Smart Pay Protection, a financial "oops" doesn't need to turn into a catastrophe.
Want to say goodbye to overdraft fees forever? Consider our Smart Loan. A quick application and approval process grants you a line of credit which we'll happily use instead of charging you a fee.
No Monthly Fees!
Like any good relationship, it's not about the money.
Environmentally Friendly
Our goal is to make our Smart account as environmentally friendly as possible. It's not 100% paper-free yet, but we're trying. More practically, not mailing you a paper statement saves your credit union money and reduces clutter and sensitive account material lying around the house.
Convenient ATM Access
North Coast is a member of the CO-OP ATM network, whose members share ATMs nationwide, making life easier for everyone. CO-OP ATMs don't charge a fee for members, so your money stays your money.
Qualifications
In exchange for better rates and lower fees, we ask the following of you:
- Have a direct deposit of your paycheck
- Use your debit card at least once a month
- Agree to receive electronic statements and notices by giving us your email address
- Use Bill Pay at least once a month
Smart Checking is not just another checking account: let's make things more thoughtful, save money, reduce our environmental impact, and re-invest into our local community together.
We've thought hard about it, so should you.
