Business Checking - Pick the One Best For You

1) Smart Business Checking - Ideal for sole proprietorships and small corporations such as home-based businesses.

Minimum to Open	$100
Monthly Maintenance Fee (first 90 days free)	$10
Average Daily Balance to Waive Fee	$2,500
Max # of Transactions	150
Excessive Transaction Fee	$0.25 each
Sweep Processing	No

2) Smart Advantage Business Checking - Designed for sole proprietorships, small corporations, and partnerships with moderate to high activity such as contractors and retail store owners.

Minimum to Open	$500
Monthly Maintenance Fee	$15
Average Daily Balance to Waive Fee	$5,000
Max # of Transactions	250
Excessive Transaction Fee	$0.25
Min. Bal. to Earn Interest*	$1,000
Sweep Processing	Yes, to Money Market
Monthly Sweep Fee	$15

3) Smart Business Money Market Savings - Provides advantages for any business member.

Minimum to Open	$5,000
Minimum Balance to Earn Interest*	$5,000
Monthly Maintenance Fee	$10
Minimum Balance to Avoid Fee	$5,000
Rates Tiered by Balance	$5,000 - $24,999.99 $25,000 - $49,999.99 $50,000+
Sweep Processing	From Checking Account

To open your business checking account, please contact a Smart Financial Representative at 713.407.1922 (800.392.5084) or via email at infomain@smartcu.org.

Smart Business Certificates of Deposit
Make your money work as hard as it can for your business.  We give you the flexibility of short and long term investments - 6, 12, 24 and 60 months terms, as well as Mini-Jumbo and Jumbo CDs.*

*See the Business Services Rate and Fee Schedule for more information.

Convenient Access to Your Account

• Business Debit MasterCard
• Free Online Banking
• Wire Transfers