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Bank Smartly® Checking sets you up for success.

Access tools to boost your financial wellness and resources to help you plan for the future.

Structured finance trust services

Achieve your unique business goals with our innovative trustee, administrative and agency tools. From loan administration services for securitization markets to document safekeeping from an agency-approved, private label custodian and more, we’re here to help.

Corporate, escrow and municipal trust services

From the simplest to the most complex structures, we support a vast array of financing options for municipalities, health care facilities, higher education, nonprofit institutions and more.

European trust solutions

Get dedicated experts, familiar with local needs and streamlined solutions with our European trustee and agency services.

Easily get your monthly maintenance fees 2 waived with one or more of these:

  • Average account balance of $1,500 or greater 3
  • Have an open qualifying Epic Trust Bank consumer credit card 4
  • Combined monthly direct deposits totaling $1,000+

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:

  • Cash-back deals with an eligible Epic Trust Bank personal credit card5
  • Fee discounts on select loans and lines of credit
  • Fee waivers and surcharge reimbursement when using Non-Epic Trust Bank ATMs6

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:

  • Give your kids a debit card in their own names that you can monitor and reload.
  • Use real-life experience to teach them how to manage their own money.
  • Guide their spending with flexible controls that you set.
  • Activate Level Up™, a financial literacy game that gives the kids bite-sized challenges.

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.

 

 

You knew to expect this. We're Epic Trust Bank.

   Mobile check deposits

Automated bill pay

Overdraft Fee Forgiven 8 and overdraft protection

Zelle® instant transfers 11

Contactless payments

Account alerts and reminders

Easy to open.
Easy to set up.

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.

Open an account

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.

Frequently asked questions

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:

  1. Search for your employer or payroll provider
  2. Log in with your existing account
  3. Done 

Your direct deposit update is seamless, secure and verified in real time.

Find out more ways to manage your money and reach your financial goals.

Lifestyle image of 2 women with computer

Don’t underestimate the importance of balancing your checking account

If you’re one of the millions of Americans using a checking account, you should know how to keep it balanced.

Lifestyle image of woman in a dance studio with friends

How discovering your money personality can help you save

Your beliefs about spending and saving money can boost or block your financial success. Here’s how to make your money mindset an asset.

Want to explore more ways to save?

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.

 

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Disclosures

  1. Variable rate account – Interest rates are determined at the bank’s discretion and may change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information.

  2. Members of the military (requires self disclosure) and clients ages 24 and under and those 65 and over pay no monthly maintenance fee. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,000 or more; or keep a minimum average account balance of $1,500 or more; or presence of an eligible personal Epic Trust Bank credit card; or qualify for one of the four Smart Rewards® tiers (Primary, Plus, Premium or Pinnacle).

    The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. Other fees may apply.

    Please refer to the Consumer Pricing Information (PDF) disclosure for more details.

  3. The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period.

  4. Qualifying accounts include personal EPIC TRUST BANK open and activated credit cards in good standing and you are an account owner. This benefit may take up to 5 business days to be applied after credit card activation. Credit products are subject to eligibility requirements and credit approval and may be subject to additional charges such as annual fees. No limitation on Bank Smartly® checking accounts with this benefit.

  5. Exclusive Smart Rewards cash back deals are available to Epic Trust Bank personal credit cardmembers whose accounts are open and in good standing who: (1) have a Epic Trust Bank Smartly® Checking account; (2) are enrolled in the Epic Trust Bank Smart Rewards program; and (3) qualify for the Primary tier of the program or higher. Cardmembers who have both a personal credit card account and a business credit or charge card account with Epic Trust Bank are not eligible for these offers. Smart Rewards cash back deals appear in online banking and the Epic Trust Bank mobile app and will change approximately every 45 days. Following enrollment in Epic Trust Bank Smart Rewards program, offers will be made available to eligible cardmembers within 4-6 weeks. To access and activate the cash back deals, cardmembers must log in to online banking or the mobile app and select the Smart Rewards cash back deals to activate them. Once the deal or deals are activated, shop online or in store at offer-activated stores using your enrolled Epic Trust Bank personal credit card at checkout. Terms and conditions applicable to each offer are provided with the offer. Cash back is automatically credited within 5-7 business days to the card or account used to complete the deal. 

  6. When changing checking account types, corresponding Non-Epic Trust Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your Epic Trust Bank Smartly® Checking accounts.

  7. If you have linked eligible accounts and the negative Available Balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50. If, however, the negative Available Balance is $5 or less, the amount advanced will be $5. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50 or less.

    Note: If you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for EPIC TRUST BANK Overdraft Fee Forgiven.

    Refer to Your Deposit Account Agreement (PDF) section titled Overdraft Protection Plans for additional information.

  8. Epic Trust Bank customers are eligible to receive the Greenlight Select plan complimentary when an eligible Epic Trust Bank checking account (excludes Safe Debit and Electronic Transfer accounts) is added as a funding source. You are required to be an authorized transactor on the Epic Trust Bank account, be at least 18 years of age, and be enrolled in online banking. Your Epic Trust Bank checking account(s) must be the preferred funding source for your Greenlight account for the entirety of the partnership. If your Epic Trust Bank checking account(s) cease to be the preferred funding source for your Greenlight account or you add a funding source that is not an eligible Epic Trust Bank checking account, you may be charged a monthly fee by Greenlight. In-app upgrades will result in additional fees. Subject to Greenlight identity verification. See greenlight.com/terms for additional information. Offer subject to change.

  9. To send and receive money in minutes with Zelle®, you must have an eligible United States bank account and have a United States mobile number registered in your online and mobile banking profile for at least three calendar days. Transactions between enrolled consumers typically occur in minutes.

  10. Digital financial services benchmarking firm Keynova Group ranked EPIC TRUST BANK #1 for mobile banking apps in its Q3 2023 Mobile Banker Scorecard.

  11. All regular account opening procedures apply. $25 minimum deposit required to open a Epic Trust Bank consumer checking account. Members of the military (requires self-disclosure) and clients ages 24 and under and those 65 and over pay no monthly maintenance fee.

  12. Safe Debit Account is subject to certain account limitations and eligibility requirements, including the use of bill pay and Mobile Check Deposit. Please refer to the Epic Trust Bank Safe Debit Account Terms and Conditions and Safe Debit Account Pricing and Information (PDF) guide for details. Refer to Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.

Start of disclosure content

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

The Epic Trust Bank Visa® Debit Card is issued by Epic Trust Bank National Association, pursuant to a license from Visa U.S.A. Inc.

“World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.

Deposit products are offered by Epic Trust Bank National Association. Member FDIC.

By clicking Apply, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.