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Kinderhook State Bank's SmartChek card is not a credit card. It's a card that works like an ATM card or you can use it like a check to make cash purchase wherever you see the MASTERCARD, SHAZAM and CIRRUS symbols. With each transaction you will receive a copy of the  receipt. All purchases are then listed on your monthly checking statement.

SmartChek Features:

  • ATM Access
  • No hassle checking
  • Better record keeping
  • Convenience
  • Checking and Savings capability






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