Smart Checking
Your money, your way
Our Smart Checking account is built for how you actually live. No hidden fees, no minimum balance requirements, and no surprises. Just straightforward banking that works as hard as you do.
- No monthly maintenance fees — ever
- No minimum balance requirement
- Get paid up to 2 days early with direct deposit
- 60,000+ fee-free ATMs nationwide
- Free instant transfers to other Cathay accounts
- Real-time spending notifications
