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Simply Smart Checking

Simply Smart checking accounts are our interest bearing checking accounts for balances over $1000.


  • No service fees for balances greater then $1000
  • Interest paid on balances greater then $1000
  • One box of 'select' style checks per year
  • Unlimited check writing
  • ATM/Debit Card
  • Online banking
  • Online bill pay
  • Telebank
  • E-statements
  • Check images

Requirements & Fees

  • $100 opening balance
  • $10 per month service fee for balances under $1000

Additional Services

  • Cashier's Checks - $5
  • Money Orders - $5
  • Traveler's Checks - $2 per $100 in checks
  • Notary Service - $1

All Checking Accounts

$30.00 closing fee applied if account is closed within 90 days of opening.

Only transactions on Soy Capital Bank ATM machines are free. ATM transactions at foreign machines will be charged the foreign transaction charge of $2.00 by Soy Capital Bank and a convenience charge by the owner of the machine used. The amount is set and displayed on the screen and the customer approves that at the time of the transaction on the foreign machine. Replacement cards will incur a service charge.