A checking account designed to help your money make more money.

You want the biggest bang for your buck, so this account was designed with you in mind. Smart Checking features the tools to help you get the most for your money, while allowing you quick, convenient access. And, with our greatest return rate, this account is a no-brainer.

High Annual Percentage Yield

The Tyndall Smart Checking Account offers the highest APY* of all our checking account offerings, so you’ll earn more on the money in your account. And, there’s no minimum balance required. To qualify:

  • Go paperless with e-Statements
  • Use Online Banking to manage your accounts or pay your bills
  • Have at least one direct deposit or automatic debit per month
  • Have at least 15 debit card transactions

It’s that easy.

No Monthly Fee*

As long as you are enrolled in e-Statements, your Monthly Checking Account Service Fee is waived, making your Smart Checking Account the account that pays for itself.

Surcharge-Free ATMs

With Smart Checking, you have access to Allpoint®,the world’s largest network of surcharge-free ATMs. So wherever you live, work, shop or travel, you have access to your Smart Checking Account.

Mobile Banking Tools

Manage your Smart Checking Account from your smartphone with our FREE mobile apps. Access your account, transfer money, pay bills, or find the nearest Tyndall branch or surcharge-free ATM, while on the go. Stay secure with real-time text alerts. You can even deposit your checks quickly, easily and securely, using Mobile Deposit1.

ScoreCard® Program

Choose “credit” when you use your Tyndall VISA® Debit Card and earn Bonus Points® that can be redeemed for great prizes and travel rewards.



*APY = Annual Percentage Yield. Account subject to approval. If Smart Rate requirements are not met for the month, the Base Rate will apply. Rate will apply to the first $50,000 of Smart Checking Account balance; Cap Rate will apply to any amount over $50,000. All account criteria must be met by 7:30 pm (Central) on the last day of the month in order to receive the earned APY. Other requirements or restrictions may apply; account terms and conditions are listed on Share/Share Draft Account Disclosure. Fees could reduce earnings on the account. Variable rate; rate subject to change after account opening. SMART CHECKING ACCOUNT RATE, BENEFITS AND REQUIREMENTS ARE SUBJECT TO CHANGE AT ANY TIME. If you are not actively enrolled in e-Statements, a low monthly service fee will apply. You must be at least 16 years of age to open a Smart Checking Account. In order to open an account for members who are under the age of 18, an adult joint owner is required on the account; Courtesy Pay is not available for account owners under the age of 18.

1Must have a Tyndall Checking Account and be a member in good standing to qualify for Mobile Deposit. Please speak with a Financial Sales Representative for details.

2Purchases that earn Bonus Points are net purchases (sales minus returns). ScoreCard Bonus Points will expire immediately if your related Checking Account is closed or if your Check Card is blocked and not replaced. Member eligibility required; an initial $1 non-refundable membership fee will apply.