Smart Start Banking

Our checkless account created for your digital lifestyle. Less is more with no checks, no paper statements, and no overdraft fees.

Best for

  • Students and young adults
  • Customers who prefer banking digitally and use their debit card instead of writing checks
  • Customers who want to avoid overdraft fees

Account features

Our Smart Start Banking account comes with

  • Online Statements1
  • Bill Pay and Online Transfers
  • Mobile Check Deposit
  • Text Message Banking
  • Digital Banking Options
  • One ATM cash withdrawal Rebate per statement cycle2
  • Access to over 35,000 Free ATMs3
  • No overdraft fees4

Minimum Opening Deposit

Open with $25.00 deposit

Monthly Service Charge5

Avoid the $4.50 monthly service charge if primary account owner's age is 24 and younger

Open an Account


1There is a $2 monthly fee for Paper Statements.
Receive a rebate of $2.50 for one non-GWB cash withdrawal per statement cycle.
3When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction, and you may be charged a fee for a balance inquiry at an ATM. “Out of Network” means ATM transactions occurring out of the MoneyPass or Shazam Privileged status ATM networks.
4It is possible for the account to have a negative balance.
5Review the Smart Start Banking Fee Guide to see other fees associated with this account type.