Personal

Personal checking to complement your business

Comprehensive high-touch personal banking with customized solutions under one roof.

Choose 2 at a time to compare
Personal Checking
Interest Checking
Account Description

A checking account for every day banking plus access to surcharge free ATMs, online banking and bill pay

Enjoy the benefits of a checking account plus earn interest with competitive rates on your deposits
Minimum Opening Balance
$ 100 $ 100
Account Fees

$12 Monthly service charge2

Balance required to avoid monthly service charge: $1,000 daily minimum balance or $2,000 average collected balance3

$13 Monthly service charge2

Balance required to avoid monthly service charge: $2,500 daily minimum balance or $5,000 average collected balance3
Additional Features
  • No ATM-surcharge fee withdrawals at Allpoint® and MoneyPass® ATMs
  • Earn additional relationship pricing when linked to a SMBC MANUBANK savings, money market or certificate of deposit account  
  • Manage account online and mobile banking4
  • No ATM-surcharge fee withdrawals at Allpoint and MoneyPass ATMs
  • Earn additional relationship pricing when linked to a SMBC MANUBANK savings, money market or certificate of deposit account  
  • Manage account online and mobile banking
Reorder Personal Checks

Replenish your supply, customize designs, and shop accessories with easy online ordering.

Learn More
Digital tools for faster, more efficient money management.

Convenience, security, time-saving tools and more.

Learn More About Digital Banking

Explore personal savings

Products to help grow your private wealth while growing your business. Our range of tools and competitive rates are designed to align your earnings strategies all under one roof.

Choose 2 at a time to compare
Personal Savings
Money Market
Certificates of Deposit
Summary

Set aside funds for future purchases or investments

Delivers earning power and security while maintaining liquidity

Choose from fixed rates and flexible terms based on your goals
Minimum Opening Balance
$250 $2,500 $5,000
Account Fees

$15 quarterly service charge2

Balance required to avoid quarterly service charge: $500 average collected balance3

$12 Monthly service charge2

Balance required to avoid quarterly service charge: $2,500 daily minimum balance or $5,000 average collected balance3

$25 annual service charge per account2
Additional Features
  • Manage account online and mobile banking4
  • Earn additional relationship pricing when linked to a SMBC MANUBANK checking account 
  • Manage account online and mobile banking
  • Six checks, withdrawals or transfers per month at no cost5
  • Earn additional relationship pricing when linked to a SMBC MANUBANK checking account 
  • Flexible terms and rates
  • Higher balances may earn a higher rate
  • Earn additional relationship pricing when linked to a SMBC MANUBANK checking account

1Additional fees may apply.

2The average collected balance is calculated by adding the collected balance in the account on each day of the statement cycle and dividing that sum by the number of days in the statement cycle. Each day’s collected balance is calculated by taking the ledger balance in your account at the end of each day and subtracting any funds from deposited checks or other items drawn on other financial institutions that have not yet been made available to the Bank by the Federal Reserve Bank or other correspondent Banks.

3Data rates and fees from your service provider may apply.

4Applicable transactions over 6 may be subject to a fee.  See Fee Schedule for details.

Allpoint is a registered trademark of Cardtronics plc and its subsidiaries.  MoneyPass is a registered trademark of Fiserv, Inc.