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Smart Checking

We understand that your time is limited, your responsibilities many, and you rarely find the time to be still. So, we created this account to accommodate you — our on-the-go customers who are smart enough to know that banking should be on their terms.

With this account, you can take advantage of today’s technologies such as mobile banking and mobile deposits while enjoying the comfort of having your local branch nearby.

Account Features

  • Access to your money anytime, anywhere with the Uwharrie Bank Visa® Check Card
  • Unlimited ATM transactions (Uwharrie Bank and other ATMs) at no fee (Fee charged by ATM owner other than Uwharrie Bank may apply)
  • Unlimited checkwriting
  • Free online banking and bill pay
  • Free mobile banking and mobile deposit
  • Free eStatements
  • Free telephone banking

Terms & Fees

  • The $5 monthly fee is waived if you meet one of the following criteria:
    • Daily Minimum Balance: Maintain a daily minimum balance of $500. The daily minimum balance must be maintained every day of the statement cycle.
    • eStatements: Receive your monthly statement electronically.
    • Direct Deposit: Utilize one direct deposit per month.
    • Debit Card Point-of-Sale Transactions: Use your debit card for 10 point-of-sale debit card transactions (PIN or signature-based) per statement cycle.
    • Youth Discount: Available to account holders under 23 years of age.
    • Senior Discount: Available to account holders 60 years of age or older.
  • $100 minimum deposit to open