Wharrie Bank

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Personal Banking
Checking

Smart Checking

Your Uwharrie Bank Smart Checking account is designed to provide you with convenient electronic banking solutions, putting financial management at your fingertips. With easy access and a range of features, managing your finances has never been simpler.

Account Features

  • Online Banking: Manage your finances and accounts anytime, from anywhere, free, with our secure online banking platform.
  • Bill Pay: Easily pay your bills online, saving you time and hassle.
  • eStatements: Receive your statements electronically for added convenience and security.
  • Mobile Banking: Manage your accounts on the go with our mobile banking app, available for iOS and Android devices.
  • Mobile Deposits: Deposit checks quickly and securely from the convenience of your phone with free mobile banking and mobile deposit.
  • Visa® Debit Card: Enjoy worldwide acceptance and convenient access to your funds without the hassle of carrying cash. Plus, there’s no annual fee. Your card Includes contactless (tap-to-pay) technology for faster, more convenient and more secure transactions. This helps reduce checkout times and offers a touchless alternative to inserting or swiping.
  • Direct Deposit: Set up automatic deposits for fast and secure access to your funds, without the need to wait for checks to clear.
  • Card Controls & Alerts: Directly control both your debit and credit cards. Login to your Online Banking account or enroll today and gain access to card controls and alerts. Turn them on/off, set spending preferences and receive real-time alerts for the transactions you choose.
  • Greenlight – App for Families: A fun and educational experience helping kids to learn money management, debit cards and saving for the future.

Terms and Fees

  • Monthly Fee: $5 (waived with a minimum daily balance of $500 or more)
  • Minimum Opening Deposit: $100
  • Non-Uwharrie ATM Fee: $3 per transaction (plus any fees charged by the ATM owner)

Elevate Your Banking Experience

Open an account today and experience the Uwharrie Bank difference.

Let’s Get Started

Manage your money your way with Smart Checking! Experience the difference of banking with Uwharrie Bank. Contact us via the buttons below, at 800.438.6864 or visit one of Our Locations to speak with a representative.