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Online Banking

Smart Start CHECKING

Smart Start CHECKING

Powered by Banzai

A student checking account that allows you to learn financial lessons and and use in the real world! This account can help you cross the finish line to financial knowledge!

Perfect account for students from 13 to 21 years of age!

Frequently Asked Questions

Can I get a DEBIT CARD in my name?

Yes! With a HCBT Debit Card, enjoy everyday access to your funds at ATMs and the convenience of making purchases without writing a check!

  • Mastercard debit card
  • Add to your Google or Apple Wallet
  • Fee free access to ALLPOINT ATMs worldwide

Can I get ONLINE and MOBILE banking?

Yes! Use HCBT Online and Mobile Banking to bank anywhere from your laptop or smart phone!

  • Free online and mobile access
  • Transfer money to friends using Zelle*
  • Mobile deposits available on the HCBT app

Can I earn rewards?

Yes! Access Financial Literacy at HCBT.bank to earn rewards! Experience meets learning with our interactive programs via our website Education Center.

  • Product Tutorials and Demos
  • Learning Center
  • Banzai Interactive Financial Literacy

Earn REWARDS for completing Banzai Interactive Courses Learn real world financial skills!

  • 6 interactive modules
  • Earn $25.00 for each course completed (with certificate of completion)!

Earn Rewards

SMART START CHECKING

Save time and money with these great products and services:

  • FREE Debit Card
  • FREE Allpoint ATM withdrawals
  • FREE Direct Deposit
  • FREE Online Banking
  • FREE Alerts- email, text or push
  • Mobile Banking with FREE Mobile Deposit
  • FREE eStatements
  • SAVINGS plans

Manage your money and enhance your earning power with one of our CDs, savings or money market accounts.

Smart Start Checking accounts must be opened as a joint account with a parent or legal guardian.

View Smart Start Brochure

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Banzai incentive program

Earn real money by completing the interactive courses provided by Banzai Interactive Financial Literacy through the HCBT website!
The courses are gamelike simulations.
For each rewards activity completed, you can earn $25!*

Earn Rewards

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Banzai Junior

Teaches smart financial decisionmaking through a lemonade stand storyline and goals!

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Banzai Teen

Tackle real-life financial challenges in a safe, interactive setting. The goal: save enough for college.

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College & Career

Prepare for the transition to college and career life. Topics include cost of and paying forcollege, scholarships and college alternatives.

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Entrepreneurship

Focus on essential skills such as problem-solving, leadership, collaboration, financial literacy and communication. Includes Quickbook simulations.

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Digital Citizenship

Practice navigating through online decisions securely.

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Life Skills

Build on core life and money management skills, including banking basics, soft skills and career exploration.

Get started today!

Earn Rewards

Real kids doing real banking!

Smart Start Checking

Kolette Dicero

Kolette Dicero started driving at the age of 5! She now races in both the Jr Drag Racing league and Micro Sprint Car Series. Kolette banks with HCBT and also participates in Banzai Financial Literacy through her class work at TriWest Middle School.

What Kolette has to say about banking with HCBT:

I turn left, but banking with Hendricks County Bank and Trust is right! They have grown with me from my first account, and as my financial needs change and grow, so have they!

Logan and Austin Davis

Logan and Austin Davis, brothers from Brownsburg, started their lemonade stand in 2019 after Austin’s hospital stay inspired them to help kids in need. Now in its sixth year, they’ve raised over $10,000 for local charities. In 2024, proceeds supported Brownsburg Fire Territory and Police Department in a fun “Police vs. Fire” challenge. HCBT is proud to be their bank of choice!

What Logan and Austin have to say about banking with HCBT:

“They are very welcoming and will guide you along the way to be successful!” Logan also wanted to highlight how much he “appreciates the friendly and clean atmosphere at HCBT!”

Smart Start Checking

All images, testimonials, and statements from minors are used with verified parental or legal guardian consent. Parents/guardians may request removal of their child’s image or testimonial at any time.

DISCLAIMER:
Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply and are the responsibility of the party member over age 18. See fee schedule for details.
Free gift and/ or rewards may be reported on 1099-INT or 1099-MISC. Free gift provided at the time of account opening.
Offer good on personal accounts only; ask us about our outstanding options for your business or organization.