All Smart Financial locations will be closed this Wednesday, June 19th in observance of Juneteenth. Our normal business hours will resume on June 20.

Contact Us

Main Phone Line
(Member Services)
Mailing Address
P.O. Box 920719
Houston, Texas 77292
Branch Locations
Business Hours
(Branch and Call Center)
Mon, Tue, Thu, Fri: 9 AM - 5 PM
Wed, Sat: 9 AM - 2 PM
Routing Number
Social Media

How can we help you?

Smart Financial welcomes your questions, comments, compliments and complaints in order to continuously improve our services to you. You may also email us directly at

Other Direct Phone Lines

Card Services (lost or stolen debit cards after business hours):

Smart Line (Automated Phone Teller):
713-850-1254 or 800-537-7133

Verification of Deposit Fax Line:

Mortgage Lending (New Mortgages):

Mortgage Services (Existing Mortgages):

Consumer Lending Services (Auto/Personal):

Smart Insurance Group:

Lost or Stolen Cards?

Call 713-850-1600, to report fraud, suspicious activity or a lost or stolen card. If you are a MobiMoney app user, you can turn off your lost card immediately from the app.

Learn More

Mobile Banking

Download our mobile app to check balances, pay bills, transfer money and more, all from your phone or tablet.


Learn More