Online Banking
Member Sign In
Are you a new member? Register here!
Are you a new member? Register here!
MEMBERSHIP
Become a
Member-Owner
Membership gives you access to a full range of banking products, services and tools that will help you live your best life.
Be Smart. Join In!
Since 1934, Smart Financial has been focused on people, not profits. Our purpose is to be a resource, giving back to the community we serve, all while helping valued member-owners like you with your financial needs. All it takes is a five dollar opening deposit and a five dollar entrance fee to become a member.
CHOOSE A PRODUCT
Everyone has different financial needs. Explore the variety of products and services that best fit you financial needs.
APPLY
Complete the application to join and set up your new accounts or visit one of our 13 convenient branches across the Houston area.
APPROVAL
After completing your application, the Smart team will review your application ASAP!
CELEBRATE!
Welcome to the Smart Financial family! In addition to great products, explore the benefits of your Smart Membership
WHO CAN JOIN?
Here's what you will need:
To live, work, or attend school in Brazoria, Fort Bend, Harris or Montgomery Counties, Texas.
To be 18 years of age or older.
Your Social Security Number / Individual Taxpayer Identification Number.
Government Issued Identification (Driver's License, State ID, or Passport).
If another person will be joint on your accounts, they must enter and validate their personal information.
If funding your new accounts by electronic transfer from another financial institution, you'll need their routing number and your account number.
If funding with a debit or credit card, you'll need the card number, expiration date, and CVV code (located on the back of your card).
I'm New to Smart Financial
Open your accounts online quickly and easily.
I Already Have an Account
Open additional Checking, Savings, or apply for a Loan.
Continue an Application
Continue or check the status of an application that you previously saved.
Check Status
Being a Smart Financial Member has its benefits.
FREE Credit Score powered by Savvy Money®
Monitor and set goals to improve your credit score. Create what if scenarios and how they will affect your credit score.
Refer a Friend Bonus
Earn cash for you and your friends and family when they join Smart Financial. Get rewarded for sharing the love!
Win Tickets to Smart Financial Centre
Join our socials and participate in contests and giveaways for tickets to one of the best music venues in the city!
Make mobile deposits from anywhere
With Apple or Android device, you can deposit checks remotely—wherever you are, whenever you want.
deposit checks in 5 simple steps
super easy - app walks you through it
deposit checks to checking and savings
