Smart Club Checking

Make a smart financial move — open an account that gets you a free debit card, free ATM transactions, and more.

Key Features

Free Debit Card

Free Debit Card

Digital Banking

Digital Banking¹

No Minimum Balance Requirements

No Minimum Balance Requirements


  • No minimum balance required
  • $6 monthly Smart Club fee
  • Free ATM transactions at all First National Bank of Manchester ATMs
  • Free, automatic transfer of funds to club accounts and for loan payments
  • Free digital banking services¹, including:
    • Free online banking & bill pay
    • Free mobile banking
    • Free eStatements²
  • Access accidental death and dismemberment insurance³
  • Free direct deposit
  • Free Mastercard® debit card
  • No minimum deposit to open

¹ OD and Returned Item Fees apply to overdrafts and returned items created by check, in person withdrawal, ATM withdrawal, or electronic means. Transactions may not be processed in the order in which they occur. The order in which the transactions are received by the bank may affect the total amount of overdraft fees incurred on your account. The bank offers customers the free service of preauthorizing the bank to transfer funds from a checking account, NOW account, Super Now, Insured Money Market account, or line of credit to clear their overdraft accounts. This will be done by contacting our Bookkeeping Department.

² Account holders other than Master Club or Master Club Super Now will be charged $2.50 per statement cycle for Processing & Delivery fee of paper statements. This fee can be avoided if the customer elects to use e-statements and not to receive a paper statement.

³ Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the Bank or any Bank affiliate.