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Refinance Your Auto Loan with Smart Financial
Refinance Your Auto Loan with Smart Financial

Set up Direct Deposit and You Could Win Up to $500!*

Have or open a Smart Financial checking account with recurring direct deposit and you are automatically entered in our monthly drawing where you could win up to $500! One new and one existing member will be selected every month throughout 2020.


Already have a Smart Financial checking account?

Set up direct deposit to be automatically entered into the drawing. Smart Financial Credit Union's Routing Number is 313083578.

New to Smart Financial?

Open a checking account with us and set up recurring direct deposit. You could be our next winner! Become a member today!

  • “We have been very satisfied customers with Smart Financial for fifteen years. Our accounts and loans have been easy to handle online and the interest rates have been very competitive. With these troubling times we are lucky winners of the Direct Deposit Double Up monthly give away and that will come in so handy considering how small businesses are impacted with the stay at home county order. Thank you Smart Financial and we look forward to another fifteen years!”

    • Jeanette T. at Conroe
    • Member since 2005
  • "I have been a member with Smart Financial since 2007 and I have never had any issues. They provide a pleasant experience in their lobby and drive thru services. When I received a call from Brianna that I won in their Direct Deposit Double Up I wasn't sure what to expect. But within hours I had the money deposited into my checking account. This blessing truly came at the right time. Thank you Smart Financial for rewarding your direct deposit members. It has been a pleasure to bank with you guys!"

    • Corinna G. at FM 1960
    • Member since 2007
  • “This is my first credit union and so far, my experience has been exceptional. I have had no problems or issues. I look forward to doing business in the future.”

    • Calvin T. at FM 1960
    • Member since 2020
  • “Smart Financial has been very helpful to my family throughout the years. They are very accurate and functional with interactions. They have very good communication. They have been very alert and cautioned us as far as security. They are very good about making adjustments when we travel. I appreciate them for contacting me about suspicious card activity when used online to doublecheck that it’s really me.”

    • Magdalena G. at 2920
    • Member since 1978
  • "My experience with Smart Financial has been good and easy. It’s really reliable and I really enjoy it."

    • Samantha Ruiz
    • Member since 2020



Official Rules and Regulations

Smart Financial Credit Union DIRECT DEPOSIT DOUBLE UP GIVEAWAY: TWO (2) prize winners will be selected at random each month throughout the year 2020. Each prize winner will receive a direct deposit for an amount equal to their total monthly Smart Financial checking account direct deposits, up to $500 (“Prize”). Odds of winning are based on the number of eligible entries.

SWEEPSTAKES ENTRY PERIOD: The Smart Financial Credit Union Direct Deposit Double Up Giveaway entry period begins 1/1/2020 at 12 a.m. and ends on 12/31/2020 at 11:59 p.m. (CST) (“Entry Period”). Entry into the Direct Deposit Double Up Giveaway does not constitute entry into any other promotion. Entries received prior to or after the entry period are not eligible for the offer.

ELIGIBILITY: The Smart Financial Credit Union Direct Deposit Double Up Giveaway is open to all existing Smart Financial Credit Union members and new members who are 18 years or older. Member must have an active checking account with direct deposit to qualify for the drawing. Member’s account must be in good standing. Smart Financial Credit Union employees, their immediate family members, and Board members are not eligible for this offer. Only individual persons may participate. Registration or participation from any corporation or other entity shall not be accepted or considered valid.

HOW TO ENTER: Any Smart Financial Credit Union member who has an active checking account with direct deposit will be entered for a chance to win. Total monthly direct deposit will be matched up to a maximum of $500. 1 existing account holder and 1 new account holder will be drawn every month. New accounts are those opened within the last 90 days. Member will remain in the new member pool until their 90 days is reached. Accounts closed and reopened due to fraud, removal of a joint owner, etc. are considered existing accounts. The giveaway is a rolling monthly sweepstakes. Each month, the contest resets and members must meet the eligibility criteria during the month in question.


WINNERS: There will be TWO (2) winners selected at random on the 1st of every month. Smart Financial Credit Union will attempt to notify the potential winners within five (5) business days of selection by email or telephone number on the winner’s account at the time of drawing. Winner will be asked to visit a Smart Financial Credit Union branch to sign an Authorization of Direct Deposit to receive Prize. Prize will be deposited into winner’s Smart Financial checking account. Winner may be asked to take a photo and/or provide a verbal testimonial concerning the giveaway. Photo and/or testimonial is not a condition of winning. Prize forfeiture will occur: if a potential winner(s) is (are) unreachable, if the prize notification is undeliverable, or if a potential winner declines acceptance of the prize. In these instances, Smart Financial Credit Union may award the prize to a randomly selected alternate potential winner.

Smart Financial Credit Union is not responsible nor shall have liability for any winner notification that is lost, intercepted or not received by a potential winner for any reason. Smart Financial Credit Union is not responsible for any potential technical or difficulties that may arise during the automatic selection process. The potential winner of the Double Deposit Double Up Giveaway is subject to verification by Smart Financial Credit Union, whose decision as to the administration and operation of the giveaway and the selection and verification of potential winner is final and binding in all matters related to the giveaway. All information submitted becomes the property Smart Financial Credit Union and will not be acknowledged or returned. Void where prohibited or restricted by law. Entrants waive the right to assert, as a cost of winning the prize, any and all costs of redemption or travel to redeem the prize. The prize is non-transferable, and no substitution of prize is permitted. Smart Financial Credit Union will report all prize winnings to the appropriate state and federal agencies as required by applicable law. Winners will receive a 1099-INT at the beginning of 2021. All taxes, fees, surcharges or liabilities relating to the prize are the sole responsibility of the winner. Payment of any federal state or local taxes will be the obligation of the winner, and any costs not specifically identified herein are the responsibility of the prize winner.