Checking Accounts

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    Freedom Checking
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    Free Checking
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    Superior Checking
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    Smart Scholar Checking
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    Right for you if

    You want free ATMs, anytime, anywhere.

    You want a smart and easy way to manage your money.

    You want an interest rate, no service fee and more.

    You are a high school student who wants to learn the easy way how to manage money.

    Monthly service fee $12 or waived when requirements are met $10 or waived when requirements are met
    Minimum opening balance $50 $50 $100 $25
    Minimum balance required Average daily balance of $1,500 (required for ATM fee rebates) Average daily balance of $1,000 to aviod monthly fee*
    Open in minutes Open Now Open Now Open Now
    Smart Financial Debit Card
    Free Online Banking
    Optional Overdraft Protection
    Bill Pay Access
    Interest-Earning
    ATM Rebates
    Shared Branch Access

    All Checking Accounts have the option of receiving a Debit MasterCard
    Now the fastest way to write a check is to not to write one at all! With Smart Financial's Debit MasterCard, you have a fast and efficient way to access your checking account.

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    • Give us a call

      713.850.1600


      Or toll-free at:

      1.800.392.5084

    • Routing Number:

      313083578