See if debt consolidation can help you save money and time.
Debt consolidation is a good way to get on top of your payments and bills when you know your financial situation: It combines all of your debts into one payment. It could lower the interest rates you’re paying on each individual loan and help you pay off your debts faster. Paying off debts on time or faster can improve your credit score.
Easily get your monthly maintenance fees 2 waived with one or more of these:
You may also qualify if you’re a member any one of our special customer groups including youth age13 to 24, seniors age 65 and greater, military personnel and more.
Sign up for Smart Rewards® with your Bank Smartly® Checking account and be eligible for exclusive benefits like:
Plus, get even more perks as you automatically level up in the Smart Rewards® program by combining balances from eligible accounts.
Overdrawn $50 or less? Receive $50 overdrawn available balance threshold and overdraft protection that waives the Overdraft Protection Transfer Fee when you link up an eligible account to your checking account. 7
Overdrawn more than $50? Our Overdraft Fee Forgiven 8 program is the backup to your backup plan. Get fees waived when you make a qualifying deposit(s) before 11pm ET on the day you are charged the fee.
Set up account alerts to notify you about low balances so you can avoid overdraft penalty fees.
Enroll in just 3 simple steps. All you need is your payroll or employee login.
Your update is seamless, secure and verified in real time.
Once enrolled, you can use your paycheck the same day it’s deposited.
You’re covered with the standard deposit insurance coverage limit is $250,000 per depositor, per ownership category, per FDIC-insured bank
You’re protected with the industry’s strongest available encryption.
Zero fraud liability for unauthorized transactions.9
Set up account alerts to notify you about any unusual activity.
Complimentary access to Greenlight10 lets you:
Use the Epic Trust Bank Mobile App to track your spending categories and set up alerts to help you stay on track.
Get market insights tailored to your needs so you can make informed decisions about spending and investing.
Use our goal planner to help you estimate how much you’ll need for your next passion project, special trip, down payment on a home, or new addition to the family.
Quickly link all your accounts, even ones at other banks, using our mobile app. Then, use our budgeting tool and personalized insights to get a clear picture of your finances.
Bank Smartly® Checking lets you manage your cash flow and gives you access to automated tools to help you spend and save wisely. Get started with an initial deposit of $25.
Apply online in less than 5 minutes.
Fund your account using an internal or external transfer. You can also add money using your credit, debit or prepaid card.
Securely switch your direct deposit online in minutes.
You can apply for an individual bank account if you’re 18 years or older and a legal U.S. resident. You’ll need to provide your Social Security number and a valid, government-issued photo ID. Not quite 18?
The EPIC TRUST BANK Smartly® Checking account offers special benefits for Youth ages 13 through 17 when you open an account with an adult.
A regular checking account is typically used for day-to-day spending and paying your bills. You can easily access your money with a debit card, ATM or by writing a check (if you have a traditional checking account with checks). Although Bank Smartly® Checking is an interest-bearing checking account, savings accounts are meant to help you grow your money or set aside funds for a big purchase. It’s often beneficial to have both as part of your financial plan.
Yes. Our Overdraft Fee Forgiven 8 program is your backup to your backup plan when your available balance is overdrawn $50.01 or more. Get your Overdraft Paid fee waived when you make a qualifying deposit(s) before 11 p.m. ET on the day you are charged the fee.
Get answers to other frequently asked questions and learn about account services, features and benefits on our Checking Customer Resources page.
Yes, you can open a checking account online.
As a current or former member of the United States Armed Forces, open a Bank Smartly® Checking account and you'll automatically be enrolled in the Smart Rewards® Plus tier, 14 at a minimum, regardless of your account balance.
Bank Smartly® Checking offer special benefits to Young Adults ages 18 through 24 and Youth ages 13 through 17. Young Adults may apply for an account individually or jointly. Youth must apply jointly with an adult.
Yes, as a senior (age 65 or greater), you’re automatically eligible for additional services and rewards tailored to meet your needs.
Yes, if you are a member of one of our eligible customer groups, you automatically qualify for additional services and rewards tailored to meet your needs.
Yes. With our automated setup, enrolling in direct deposit is easy:
Your direct deposit update is seamless, secure and verified in real time.
If you’re one of the millions of Americans using a checking account, you should know how to keep it balanced.
Your beliefs about spending and saving money can boost or block your financial success. Here’s how to make your money mindset an asset.
When it comes to financial wellness and saving for the future, at EPIC TRUST BANK, you have options.
Money Market Accounts
Easily access your money and get higher returns based on your balance tier.
Safe Debit Account 15
Enjoy the perks of a checking account without all the checks.
Certificates of deposit (CDs)
Lock in great rates that outshine traditional savings.
Equal Housing Lender
