Checking Accounts | Smart Financial

    Checking Accounts

    Smart Financial Credit Union Checking

    Find the account that best suits your financial lifestyle.

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    Freedom Checking*

    With Smart Freedom Checking, you are free to use any ATM, anytime, anywhere. We make sure that using the ATM is easy, convenient, and most importantly free.

    • No monthly service charge (with Direct Deposit)
    • No minimum balance
    • Online Banking
    • Smart Financial Freedom Debit MasterCard
    • Online Bill pay access
    • Unlimited ATM fee refunds per month (when requirements are met)

    Monthly service fee
    $12 or waived when requirements are met.
    *See fee & Information

    Minimun opening deposit: $50

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    Superior Checking

    The Smart Superior Checking offers a high level of benefits. It's everything you want: interest rate, no service fee, and more.

    • No monthly service charge (with a $1,000 average daily balance or you are 55+ year of age)
    • Online Banking
    • Debit MasterCard
    • Interest Bearing
    • Online Bill pay access

    Monthly service fee
    $10 or waived when requirements are met.

    Minimun opening deposit: $100

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    Free Checking

    Our Free Checking gives you a smart and easy way to manage your money.

    • No monthly service charge
    • No minimum balance
    • Online Banking
    • Debit MasterCard
    • Online Bill Pay access

    Monthly service fee
    None

    Minimun opening deposit: $50

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    Smart Scholar Checking

    The Smart Financial Smart Scholar Checking is designed for High School students who want to learn the easy how way to manage money.

    • No monthly service charge
    • No minimum balance
    • Online Banking
    • Debit MasterCard

    Monthly service fee
    None

    Minimun opening deposit: $25

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      713.850.1600


      Or toll-free at:

      1.800.392.5084

    • Routing Number:

      313083578