Checking Reconcilement Form

Checking Account Switch Kit

College Advantage Program (CAP) Checking

• FREE with enrollment in College Advantage Program
• FREE Debit MasterCard
• ATM surcharge reimbursement (up to 4 per month)($2.50 max. each)
• FREE Online Banking, E-statements, and Bill Pay
• Unlimited check-writing 
• No maintenance fee 
• First box of checks is FREE

Free Checking

• $50 minimum to open
• Non-interest bearing
• No monthly service charge 
• No minimum balance
• No per check fee
• Electronic Check Imaging (through Virtual Branch)

Superior Checking

• $100 minimum to open
• Interest bearing (tiered by balance - please see Rate and Fee Schedule for current information) 
• $10 monthly service charge.  To avoid charge, a daily balance of $1,000+ is required, or your age is 55 or better
• FREE 2 boxes of custom checks per calendar year
• 2 Free money orders per day, free travelers cheques and Telephone Service Center inquiries
• Electronic Check Imaging (through Virtual Branch)

All Checking Accounts feature the option of a Debit MasterCard

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

Make the Smart move...Switch your checking account to Smart Financial! 

We know that switching your checking account from one institution to another can be a time-consuming process.  But, with Smart Financial's Checking Account Switch Kit, we can help you make the transition to a new Smart checking account quickly and easily.

For more information please e-mail us at infomain@smartcu.org or call Member Services at 713-850-1600 or 800-392-5084.

Ready to Become a Member and Open Your Checking Account? - It's Quick and It's Easy
Fill Out Our On-Line Member Application