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. 

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