SMAR TCARD Checking
Must be at least 13 years of age to qualify—requires a parent or guardian on account if under 18 (Parent/Guardian MUST be ran through ChexSystems)
No monthly Service Fee
$2 Paper Statement Fee; waived if enrolled in e-statements
Intended for card-based transactions; no checks allowed on this account
$1 charge for noncard-based transactions—in person withdrawals, ACH debit, transfer debit, checks (no charge for ATM withdrawals as those are card-based transactions)
No OOPS Protection; no WOW! Perks
Card Limits for minors $250 or less; can be set by parent
Adult card limits are standard limits
Parent/guardian will have internet banking access; they set minor up as sub-user
Free Mobile Deposit
No Bill Pay access
Not offered for Rep Payee or KYUTMA accounts
BSG Limit set to SMART CARD
