Personal
Smart Start Checking
![Girl In Kitchen Using Credit Insights on mobile phone](https://www.gorhamsavings.bank/wp-content/uploads/Credit-Insights-on-smartphone.jpg)
Smart StartSM is a low-cost checking account with premium level benefits. Enjoy the convenience of Online Banking and Bill Pay, along with fee-free money orders and transfers between your GSB accounts. Everything you need to manage your finances securely with no overdraft fees.
- A low $5 monthly maintenance service charge
- No minimum daily balance
- No overdraft or non-sufficient funds (NSF) fees*
- Reimbursed ATM fees in the U.S.
- Our foreign wire transfer fee reimbursed
- Free money orders
![Girl In Kitchen Using Credit Insights on mobile phone](https://www.gorhamsavings.bank/wp-content/uploads/Credit-Insights-on-smartphone.jpg)
![bank on seal 2023-2024 bankon](https://www.gorhamsavings.bank/wp-content/uploads/Gorham-Savings-Bank-Smart-Start-2023-2024.png)
SAFE AND AFFORDABLE
EVERYDAY CHECKING
![bank on seal 2023-2024 bankon](https://www.gorhamsavings.bank/wp-content/uploads/Gorham-Savings-Bank-Smart-Start-2023-2024.png)
Smart Start is certified by the Cities For Financial Empowerment Fund for meeting Bank On standards. Gorham Savings Bank proudly supports all efforts to ensure safe and affordable banking options for everyone.
![Blue 5 cartoon heads arms and shoulders hugging to form a circle. Community Icon](https://www.gorhamsavings.bank/wp-content/uploads/2018/05/Community-Icon-1.png)
![Blue open book transparency icon](https://www.gorhamsavings.bank/wp-content/uploads/2018/05/Transparency-Icon-1.png)
GET STARTED
Complete this form and we’ll contact you to get the ball rolling. Prefer the phone? Give us a call at (207) 839-4796.
- *If you do not have available funds in your account to cover a transaction when it is presented to us for payment or authorization, we will attempt to return the transaction. Certain transactions or account activity may result in a negative balance.