Simply Smart e-Checking

Open a Simply Smart e-Checking account online today and earn an ALL NEW 1.25% APY!
 
  • FREE mobile app - deposit checks, transfer funds, pay bills, send money and more, all on the go
  • Apple Pay capability for iPhone users
  • 24/7 Safe, SMART ATM transactions - deposit checks and cash with instant amount confirmation; transfer funds between accounts
  • Six FREE non-Bank of The Finger Lakes ATM transactions each month
  • Earn interest on your balance
  • Monthly e-Statements
  • No minimum balance
  • FREE VISA® debit card with two layers of security, including EMV chip technology
Bank anywhere, anytime, from the convenience of your phone, tablet, or laptop with a Simply        Smart e-Checking account from Bank of The Finger Lakes.
 

*New checking account subject to approval. The above Annual Percentage Yield (APY) is effective as of July 15, 2019, and is subject to change without notice. No minimum deposit required. New online accounts only. To obtain the special rate, customer must have direct deposit of paycheck from employer, pension or government benefits, a debit card, online banking and e-Statements. The special rate is for balances up to $50,000. Balances that exceed $50,000 will yield an APY of 0.15%. The terms of the account, including any fees or features, may change. See the Deposit Account Agreement and additional banking services and fees for the Terms and Conditions associated with these products. Some restrictions may apply.


Compare Accounts

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