Your Uwharrie Bank Smart Checking account is designed to provide you with convenient electronic banking solutions, putting financial management at your fingertips. With easy access and a range of features, managing your finances has never been simpler.

Account Features

• Online Banking: Access your accounts anytime, anywhere with our secure online banking platform.
• Bill Pay: Easily pay your bills online, saving you time and hassle.
• eStatements: Receive your statements electronically for added convenience and security.
• Mobile Banking: Manage your accounts on the go with our mobile banking app, available for iOS and Android devices.
• Mobile Deposits: Deposit checks quickly and securely using your mobile device
• Visa® Debit Card: Enjoy worldwide acceptance and convenient access to your funds without the hassle of carrying cash. Plus, there’s no annual fee.
• Direct Deposit: Set up automatic deposits for fast and secure access to your funds, without the need to wait for checks to clear.

Terms and Fees

• Monthly Fee: $5 (waived with a minimum daily balance of $500 or more)
• Minimum Opening Deposit: $100
• Non-Uwharrie ATM Fee: $3 per transaction (plus any fees charged by the ATM owner)

Elevate Your Banking Experience

Open an account today and experience the Uwharrie Bank difference.

Let’s Get Started

Experience the difference of banking with Uwharrie Bank.  Contact us at 800.438.6864 or visit one of our convenient locations to speak with one of our representatives.