SMEL Bank for Entrepreneurs

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A SPENDING ACCOUNT

DESIGNED FOR YOUR CHILD 

Our Student Spending Account offers a $0 monthly service charge when you deposit any amount each monthly statement cycle. 

 

Open your account today!

 

It only takes 10 minutes.

SMEL Bank for Entrepreneurs' spending accounts include:

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Quick Reload

A convenient way to reload your account without leaving your house. Reload any amount! Simply, click "Reload" above and your new balance is available immediately.

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Secure Chip

The SMEL Card is unique in it's own way! A true hybrid card that allows you to make purchases anywhere. The SMEL Card is secure and even boast a contactless feature.

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Fraud Protection

Fraudulent transactions made using your SMEL Card is covered by our $0 Liability Guarantee as long as you report them within 24 hours of posted transaction. Please email support@smelny.org to inform.

Any Deposit Spending account has

  • Deposit any amount to open account

  • $0 monthly service charge when you deposit any amount each monthly statement cycle

  • $0 monthly service charge for each statement cycle without a deposit

  • No minimum balance requirement

  • Monthly digital statements

  • $7 new/replacement card fee

Premier Spending account has

  • Deposit $25 to open an account

  • $0 monthly service charge when you keep a minimum of $25 combined average monthly balance in the account

  • $0 monthly service charge for each statement cycle without a deposit

  • Monthly digital statements

  • $3.50 replacement card fee