Personal Banking
Checking
Welcome to Bank of Smithtown's Family of Checking Accounts
Choose the account that's right for you.
Each account offers:
- Free ReadyMoney Card - Access your account wherever the MasterCard® logo is displayed without the hassle of writing checks or carrying large sums of cash
- Free access to all Bank of Smithtown ATMs
- Free 24 hour telephone banking (CHATS)
- Free Online Banking
- Free Online Bill Pay
- Overdraft protection, if qualified
- Easy-to-read monthly statements
- Free check safekeeping
- FDIC Insured - Click here to learn about Bank of Smithtown's participation in the FDIC TAG Program.
Free Checking
A checking account that's free of all the hassles and fees that you are accustomed to from other banks, and it offers the convenience and money-saving benefits that you want.
- No minimum balance requirement
- No monthly service charge
- Free unlimited check writing
Essential Checking
The no hassle checking account designed to be simple and easy on your budget. You'll benefit from:
- No monthly service charge with either direct deposit or $1,000 average balance
- Free unlimited check writing
Distinguished Checking
Our most privileged checking account that's packed with extra money saving benefits:
- No monthly service charge with $25,000 relationship balance
- No minimum checking account balance requirement
- Earn a competitive interest rate on your checking account
- Free unlimited check writing
- Free ReadyMoney usage - No fees from Bank of Smithtown for cash withdrawals at foreign or domestic ATMs*
- Free first order of checks
- "Distinguished" rates on Money Market Accounts and select CDs
- Free Safe Deposit Box rental for one year
- Free Investment Portfolio evaluation through our Financial Services Division
*For ATM usage, non-refundable ATM operator and foreign transaction and currency exchange fees may apply.
Premier Interest Checking
Enjoy all the convenience of our checking accounts with the added bonus of earning interest.
- Account requires a balance of $5,000 to earn interest
