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