Simply Smart Checking

The FREE, e-Friendly, smart way to bank. Simply Smart Checking from Bank of Cooperstown offers all the convenience you need, including free checking, online banking, mobile banking, and eStatements.

At the same time, steer clear from what you could do without — monthly fees.

Sign up online and start banking smarter today!

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Account Benefits

Free Checking Account
  • No monthly maintenance fee, no per transaction fees
  • No minimum balance to open
e-Friendly 
  • Free mobile & online banking, and free e-Statements
  • Deposit checks, transfer funds, pay bills, and make person to person payments right from the convenience of your smartphone
  • Free Visa debit card with secure EMV chip
  • Apple Pay capability for iPhone users
Smart 
  • Full-service ATM with easy deposit of cash and checks, 24 hours a day, 7 days a week
  • Easy steps to transfer funds between accounts

Apply Now

 
Simply Smart
Checking

The FREE, e-Friendly, smart way to bank with all the convenience you need.
 
  • No minimum deposit to open
  • No monthly fees
  • FREE mobile and online banking, bill pay, e-Statements and VISA debit card with secure EMV chip
  • 4 monthly refunds on ATM fees nationwide
  • Apple Pay capability for iPhone users
 
 
 
 
 
Simply Smart
e-Checking 
A checking account designed for those who prefer to do their  banking on-the-go.
 
  • No minimum deposit to open
  • No monthly fees
  • FREE mobile app- deposit checks, transfer funds, bill pay, send money and more, all on the go
  • 6 monthly refunds on ATM fees nationwide
  • Earn interest on your balance
  • Apple Pay capability for iPhone users
Personal Checking
 
Everything you could ask for in a checking account- FREE, simple checking with unlimited privileges and FREE electronic services.
 
  • No minimum deposit to open
  • No monthly fees
  • FREE mobile and online banking, bill pay, e-Statements and VISA debit card with secure EMV chip
  • 4 monthly refunds on ATM fees nationwide
  • Apple Pay capability for iPhone users 
Personal Interest
Checking

Pursue more of your personal interests and earn competitive interest on every dollar in your account.  
 
  • $100 minimum deposit to open
  • FREE mobile and online banking, bill pay, e-Statements and VISA debit card with secure EMV chip
  • 4 monthly refunds on ATM fees nationwide
  • Maintain $1,000 average monthly balance to avoid $10 monthly service charge
  • Apple Pay capability for iPhone users
Relationship Reward Interest Checking

Capitalize on your balance with our highest checking interest rates.
 
  • $1,000 minimum deposit to open
  • FREE mobile and online banking, bill pay, e-Statements and VISA debit card with secure EMV chip
  • 4 monthly refunds on ATM fees nationwide
  • Maintain a $25,000 combined average minimum balance across checking, savings and time deposits to avoid the $10 monthly service charge
  • Apple pay capability for iPhone users