Smart Checking - the Free Checking Account

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Smart Checking is the easy-to-use, easy-to-understand checking account that is free of transaction and service fees. Plus, all you need to get started is $10.

Smart Checking Interest Earned Opening Deposits Minimum Monthly Balance Monthly Transaction & Maintenance Fees Enroll Online#
None $10 None None Yes

Open Now


  • Debit card with Avidia Rewards+

  • No minimum balance

  • No per check charges

  • No monthly service charges

  • Free Internet Banking & Mobile Banking Services

  • Unlimited free debit card transactions


Open Now

Online account opening available to New England residents only.

Additional FREE Services Available With The Smart Checking Account

Debit Card with Avidia Rewards+

Avidia Bank debit cards allow you to enjoy the convenience of a credit card, yet pay directly with funds from your checking account. Plus, with our Avidia Rewards+ program, you can get cash back and earn rewards points virtually every time you use Avidia debit cards. If you have both a debit card and a credit card from Avidia, your rewards points are combined and go into a single Avidia Rewards+ account, so you earn points faster while having the flexibility to use either your credit or debit card. You can use your reward points for travel, merchandise & CASH BACK.

Direct Deposit

Direct Deposit is a free, fast, simple way to deposit money into your account(s) electronically. You can use it to deposit your pay, Social Security, tax refunds, stock dividends, directly into any account. Direct Deposit saves you the time and effort of making a trip to the bank and your money is available to you the day the check is received. Direct Deposit may also qualify you for some bank services that offer lower fees, or that pay higher rates.

Important information about procedures for opening a new account

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. 

What this means to you:

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.