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Smart Checking

Smart Checking Benefits

  • Unlimited debit card transactions
  • Free online banking and use of the Avidia app
  • No monthly transaction and maintenance fees

Smart Checking Requirements

  • A $25 initial deposit
  • Opening an account online is only available to people who live in New England

What you need to know about Smart Checking!

Interest Earned Opening Deposit Minimum Monthly BalanceMonthly FeesEnroll Online?
None$25None None Yes

Free Services with Smart Checking

Debit Card with Avidia Rewards

Debit Card with Avidia Rewards

Get cash back and earn rewards points virtually every time you use your Avidia debit card. If you have both a debit card and a credit card from Avidia, your rewards points will be combined and go into a single Avidia Rewards account for you to use. You can use your reward points for cash back, travel and merchandise.

Direct Deposit

Direct Deposit

Save yourself a trip to the bank. With direct deposit, your paychecks, Social Security, tax refunds or stock dividends can be automatically deposited in your account. Your money is available as soon as we receive the check. And enrolling in direct deposit may qualify you for services that offer lower fees or pay higher rates.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.