Whether you’re managing monthly bills, building new habits, or just looking for a better way to manage your money day to day, our checking account options are designed to meet you where you are

Explore our checking accounts 

SmartRate Checking¹

Designed for members who want more from their everyday checking. Earn up to 3% APY* on qualifying balances with SmartRate Checking, and maximize the value of your daily spending account.

Preferred Checking

A straightforward checking option designed for everyday needs, with the flexibility and personal support you expect from Allegacy.

Digital Best Checking

Built for members who prefer to manage their money primarily online. Digital Best Checking is for members who are comfortable banking digitally and want a simple, efficient way to handle everyday transactions.

Visa Debit Card

Simple spending wherever you go

Linked directly to your checking account, the Visa® Debit Card is a debit card that lets you make everyday purchases almost anywhere in the world, pay bills, and manage spending without carrying cash or writing checks – all with built-in fraud protection for peace of mind.

older woman paying for coffee

Ready to open a checking account?

Choose the checking account that fits how you manage your money today—with straightforward options and guidance along the way.

Your questions, answered

Each Allegacy checking account option is designed for different needs—from simple digital use to earning more or rewarding higher balances. Comparing features can help you find the best fit. 

Yes. All Allegacy personal checking accounts include a Visa® Debit Card for everyday purchases and ATM access. 

Yes. Allegacy mobile and online banking tools let you check balances, move money, and manage your account anytime.