SmartValue
Best for customers seeking exceptional value-added features with their checking account. With your SmartValue Checking account, you can earn cash back rewards, extend the warranty of items you’ve purchased, simplify canceling credit cards if they become lost or stolen, and receive expert identity fraud support should a situation arise.
Your SmartValue 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.
SmartValue 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.
You can earn 10% cash back on your everyday purchases such as groceries, household supplies, and entertainment. You are eligible to submit receipts totaling up to $100 each quarter for a total cash back of up to $10/quarter or up to $40/annually. (Registration and activation are required)
You have access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
Get reimbursed for expenses associated with restoring your identity.
You have 24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrences per twelve-month period.
You will enjoy savings on vision, dental, and prescriptions. (Registration and activation required) This is not insurance.
One-time overdraft fee elimination coupon.
Use any ATM, anywhere. Bring us the receipt within 60 days and we’ll pay you back, up to $20 per statement cycle for non-network ATM fees.
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.
Accessing Your SmartValue Benefits
You will need the Access Code from your Welcome Kit or contact us at (877) 886-9041
Follow the simple step-by-step instructions to register and access all the benefits of SmartValue Checking.
Download the Wood & Huston Bank Mobile App. Under “More” click on “My SmartValue Benefits” at the top of the page. Link up the ClubChecking app from your app store. Sign in or complete registration. Once you have linked the app, you will now be able to access your benefits through your Wood & Huston Bank Mobile Banking App.
Call the Benefits Service Center at (866) 210-0361, Monday – Friday, 8:30 am – 5:00 pm EST, to learn more about your benefits, or for assistance with registration and activation.
- Wireless carrier fees may apply.
† Benefits are available to personal checking accounts, primary account owner and their joint account owner(s) subject to the terms and conditions
for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the
account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their
employees/students.
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. Present ATM receipts for reimbursement within 60 days of fee charge.
5 Must present coupon to receive fee elimination.
6 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.