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Students standing by lockers

SmartStart is geared toward young adults, ages 16-26, who would like to take their first step toward financial empowerment. Whether you’re a student, working, or just establishing a banking relationship, SmartStart Checking is for you.


  • No Minimum Balance
  • No Monthly Fee
  • Earn Interest (Dividend-Bearing Tiered Rates)
  • FREE Online Banking
  • FREE Online Bill-Pay
  • FREE Online Statements
  • FREE Online Check Images
  • FREE Debit Card
  • FREE Direct Deposit
  • FREE ATM Transactions (Cardinal-Owned ATMs)
  • 5 FREE (Non-Cardinal) ATM Transactions Per Month
  • Unlimited Check Writing
  • Unlimited Teller Transactions
  • Overdraft Protection

This account has no balance requirements for members ages 16-26. Once a member reaches age 26 or older, the account will automatically be converted to a Free Checking Account for your convenience.

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