Smart-Start Checking Account

We make your banking easy, so you can focus on your studies. Smart-Start checking is for students, ages 16–24, who have proof of student status at account opening. There is a $50 minimum balance to open an account.

Students are provided with the following benefits:

• Free online banking
• Free mobile banking
• Free mobile deposit
• Free online/mobile Bill Pay
• Free checks
• Free debit card
• Free 24/7 fraud monitoring
• Free electronic statements or $3/month fee for printed statement
• Free account alerts
• No fee for using a non-Waypoint Bank ATM*
• No monthly service charge

*The ATM owner may charge a fee
**At age 25, account will change to Free Checking

Visit or call your Waypoint Bank branch today for your personal checking needs.