Simply Smart Checking

A Simply Smart checking account is an interest bearing checking account for balances over $1000.


  • No service fees for daily balances greater than $1000
  • Interest paid on balances greater than $1000
  • One free box of "select" style checks per year
  • Unlimited check writing
  • Debit card
  • Online banking
  • Online bill pay
  • TeleBank
  • Mobile banking, including mobile deposit.
  • eStatements
  • Check images

Requirements & Fees

  • $100 opening deposit
  • $10 per month service fee for any daily balance under $1000

Order Checks

$30.00 closing fee applied if account is closed within 90 days of opening. Only transactions on Soy Capital Bank ATMs 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.