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    Smart Checking

    Open a FREE Smart Checking Account before August 31st and get $100!

    Banking at its best!

    This is your everyday account and we know it's important to you, so we've created one simple checking account that's the best around, hands down. It's a free, interest-bearing account, regardless of your balance. There are no monthly maintenance fees. No minimum balance requirements. And we'll rebate any ATM fees you incur at other banks and financial institutions nationwide.

    Smart Checking is a FREE* Checking Account that pays interest on all your balances and includes:

    • Free Visa Debit Card with Purchase Rewards
    • Fingerprint and Retina Eye Scan Mobile Banking Login
    • FinanceWorks to monitor your entire financial world
    • CardValet that controls your Debit Card from your Smartphone
    • Pays interest on all your checking balances*
    • ATM rebates nationwide
    • Free Popmoney Person-to-Person transfers
    • Free E-Statements
    • Online Banking text alerts
    • Mobile Banking, including Mobile Check Deposit
    • No minimum balance requirements
    • No monthly maintenance fee

    Checking Customers who have a combined average monthly balance in Smart Checking, Savings and Money Market over $10,000 also benefit from

    • Free official Checks and Money Orders
    • Free Stop Payments
    All personal checking accounts come with:
    • Free online banking and bill pay including free online statements
      Free online banking and bill pay including free online statements
    • Free mobile banking (including Mobile Check Deposit and text alerts)
      Free mobile banking (including Mobile Check Deposit and text alerts)
    • Purchase Rewards on everyday purchases when using your Bankwell Visa® Debit card
      Purchase Rewards on everyday purchases when using your Bankwell Visa® Debit card
    • Free Popmoney® person-to-person transfers
      Free Popmoney® person-to-person transfers
    Message and data rates may apply from your wireless carrier.

    *Smart Checking is free of monthly maintenance charges. Other fees may apply. As of 6/21/17, Smart Checking earns 0.15% Annual Percentage Yield and 0.15% Interest Rate on all balances. Rate is variable and subject to change after account is open. To qualify for $100 cash bonus, customers must open a Smart Checking account before 8/31/17 (which is subject to approval), set up a recurring direct deposit and perform 5 debit card transactions that post and clear within a monthly statement cycle. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. You have 90 days to complete the requirements and earn the bonus. Once you have completed the checking requirements, we’ll deposit the $100 bonus into your new account within 120 days of account opening. A minimum of $100 is required to open the Smart Checking account. Offer effective 6/21/17 and may be withdrawn at any time. Offer good for personal accounts only and limited to customers who do not currently have a Bankwell checking account. Limit one cash bonus per address. Bonuses are considered interest and will be reported on IRS Form 1099-INT.