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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 daily balances greater than $1000
  • Interest paid on balances greater than $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 any daily balance under $1000

Additional Services

  • Cashier's Checks - $5
  • Money Orders - $5
  • 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 $3.00 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.

Effective October 17, 2014, MasterCard will apply its zero liability policy to PIN-based debit card and ATM transactions when fraud occurs. This zero liability will apply to PIN-based debit card and ATM transactions as long as you exercise reasonable care in safeguarding your card and promptly report the suspected fraud to us. If you fail to meet the conditions for the zero liability policy, federal law extends certain protections to consumers. Under this law, if you report the loss to us within two business days, federal law caps your responsibility at $50. If you report it within 60 days of receiving a statement that shows the fraudulent transactions, your liability is capped at $500. If you don't report it within 60 days, that liability is unlimited.