Say goodbye to banking woes and worries with SMART Checking.

Get discounted overdraft fees (only $17 per overdraft) to save you money for those little blips that happen in life. We’re here to make your life simpler. 

Open your account with a $100 minimum deposit and just a $10 monthly service charge. We’ll hook you up with online and mobile banking, send you free e-statements and a free MasterCard® debit card, block other banks ATM fees, and allow unlimited check writing and electronic transactions.

SMART Checking Benefits

  • Get discounted overdraft fees (only $17 per overdraft).
  • Free eStatements.
  • Low minimum opening deposit - $100 to set up your account!
  • Low monthly service fee of $10.
  • No ATM fees nationwide.
  • Unlimited check writing and electronic transactions.
  • Free online banking and mobile banking.

Open An Account Contact Us

How about a side of no ATM fees? Like ever.

When you have a checking account with us, you get a debit card that makes every ATM an Equity Bank ATM. Let’s paint the picture. You’ve got to grab some cash, but you’re far away from any of your bank’s ATMs, so you use the one closest to you. Before you get your cash, the machine will force you to agree to a fee. Some of these ATM fees now average more than $5. Yikes.

Go ahead and accept the fee. When you bank with us, your debit card will block ATM fees from ever showing up in your account. Take that, ATM bullies.

Your Debit Card, Your Life

We make it easy, you make it personal. Put a favorite photo on your Equity Bank MasterCard debit card.  

Get started today!
Kansas, Missouri, or Oklahoma Customer Arkansas Customer

Ready to open an account? Jump right on it! 

Open An Account