SmartReward
Best for customers seeking to earn the highest checking interest on their money.
Your SmartReward Checking Account offers these great benefits for FREE:
Your Visa Debit Card is accepted worldwide and works at any ATM for easy access to your cash. With CardControl, you can control your debit card with your app. Receive instant notifications anytime your debit card is used, set spend limits, restrict geographical areas and online purchases, and control your card with an on/off switch.
Bank with ease, security, and convenience online or by using the #1 Rated Mobile banking app. Check balances, track transactions, pay bills, view your account statement, deposit checks with mobile deposit, send or receive money with Zelle², and get special cash back offers in the app. Learn More
Electronic monthly account statements (Estatements)³ are provided for free. Paper statements are available for $3.00. By electing a paper statement for your SmartReward account, you will not receive the highest interest available to you.
SmartReward Features
Only $3.95 per month! – Fee is eliminated when you have a direct deposit and either 30 debit card purchases¹ that post and clear to your account each month or you maintain an average monthly balance of $2,500.
Qualifying is easy, just meet these minimum statement cycle requirements:
30 Visa® Debit Card purchases that post and clear¹
One ACH auto debit or direct deposit that posts and clears
Receive your statements electronically (eStatements)
Access FREE Online Banking
Use any ATM, anywhere and we’ll automatically reimburse you up to $20 per statement cycle for non-network ATM Fees when you access your accounts using digital banking platforms, enroll in eStatements, have one ACH auto debit or direct deposit that posts and clears, and 30 Visa® Debit Card purchases that post and clear – no paperwork necessary!
You will receive this discount on a one-year membership.
You can now use your Wood & Huston Bank Visa® Debit Card with Apple Pay™, Samsung Pay™, and Google Pay™.
When you combine Apple Pay with your Wood & Huston Bank Visa ® Debit Card, you have access to a new level of security and convenience. Simply use your TouchID™ thumbprint or passcode to authorize a purchase. There is no need to share your card number.
How it works
Instead of using your actual credit and debit card numbers, Apply Pay, Samsung Pay, and Google Pay create a unique Device Account Number, encrypting and securely storing it in the Secure Element, a dedicated chip in your device. When you make a purchase, the Device Account Number and a transaction- specific dynamic security code are used to process the payment. Your actual credit or debit card numbers are never shared with merchants or transmitted with payment.
Look for these icons at checkout.
Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Google, the Google logo are trademarks of Google LLC, registered in the U.S. and other countries.
Samsung, the Samsung logo are trademarks of South Korea and other countries.
Wireless carrier fees may apply.
1 ATM transactions do not count as VISA® Debit Card purchases.
2 Fee may apply when using Zelle*.
3 Paper statements are optional for $3.00 per month.
4 ATM fee reimbursement limited to $20 per cycle.
5 Lower APY applies to balances over $10,000 and when qualifications are not met. See Bank for details.
Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described.
Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through
the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and insurance documents can be found online at
SmartBenefits.ClubChecking.com or through the Club Checking mobile app. Insurance Products are not insured by the FDIC or any Federal
Government Agency: not a deposit of or guaranteed by the bank or any bank affiliate.
⁶The Annual Percentage Yield (APY) for the SmartReward checking is 2.00% on balances $0.01 – $10,000.00, 0.20 APY on balances $10,000.01 and over when qualifying criteria is met. When qualifying criteria is not met, the Annual Percentage Yield (APY) is 0.10%. Rate as of October 1, 2024, rate may change, see bank for details.