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What is your Routing or ABA number?

An ABA (American Bankers Association) Number or Routing Number is a nine-digit bank code used to identify financial institutions. The Smart Financial Credit Union Routing or ABA Number is 313083578.

Where are your ATM's located?

Please click here to find an ATM near you.

Are there service fees for ATM withdrawals?

Transactions performed at Smart Financial Credit Union owned ATM's are free of charge. An ATM Foreign Transaction Fee of $2.00 is assessed for any ATM transaction performed at an ATM that is not owned by Smart Financial Credit Union. There may also be a terminal fee charged by the ATM owner.

How can I make a deposit after hours?

You may deposit cash or checks at any of our branch ATMs. Please click here for a list of branch locations with 24/7 ATMs.

If you’ve registered for online banking and have downloaded our mobile app, you may be able to deposit checks using your smart phone with Mobile Deposit. For eligibility requirements, please visit our mobile app webpage.

What is Discretionary Overdraft Privilege?

Discretionary overdraft privilege is a program offered for qualifying checking accounts. It allows items to clear your account, as opposed to being returned or rejected, up to $700. A $30 non-sufficient funds (NSF) fee is charged per item. Please be aware that you may be charged a $30 fee if your ATM withdrawal exceeds your discretionary overdraft.

What hours are you open?

Please click here to view our hours of operation, locations, and driving directions to the branch office nearest to you.

What are your deposit account fees?

Please click here for a complete listing of our fees.

What are your certificate of deposit (CD) rates?

Please click here to view our current CD rates.