REFERRAL PROGRAM

Join Smart Financial and Get a $50 Gift Card

Thank you for your interest in Smart Financial!

Member Referral Program

Smart Financial was founded in 1934, making it one of the oldest and most established credit unions in the Houston area. When you join, you become a member-owner of a financial institution that exists solely for the purpose of providing you with the highest quality of financial services. Start your financial journey with us and get a $50 gift card after you open a checking account and set up direct deposit!

When you click the Get Started button below, you will set up a checking account in a few easy steps. This account will also establish your Smart Financial membership with a modest, one-time $5.00 membership fee! To earn your $50 gift card, you will need to set up a direct deposit (electronic deposit) of $500 within a 60 day period. Other terms and conditions apply and are available to review here.

Get Started

*TO RECEIVE $50 REFERRAL GIFT CARD, YOU MUST RECEIVE A REFERRAL LINK FROM A MEMBER OF SMART FINANCIAL IN GOOD STANDING. REFERRED FRIEND MUST OPEN A NEW SMART FINANCIAL CHECKING ACCOUNT WITH DIRECT DEPOSIT USING FRIEND'S PERSONAL REFERRAL LINK. DIRECT DEPOSIT IS DEFINED AS AN ELECTRONIC DEPOSIT SUM OF $500 OR GREATER WITHIN A 60-DAY PERIOD. IF YOU'RE A NEW MEMBER AND USING A CHECKING ACCOUNT TO ESTABLISH SMART FINANCIAL MEMBERSHIP, YOU WILL PAY A ONE-TIME $5 ENTRANCE FEE IN ADDITION TO THE MINIMUM OPENING DEPOSIT REQUIRED BY THE ACCOUNT. WE WILL EMAIL A $50 E-GIFT CARD TO YOU, AND A $50 E-GIFT CARD TO YOUR FRIEND WHO REFERRED YOU. REWARDS WILL BE SENT WITHIN 7-10 BUSINESS DAYS AFTER THEIR DIRECT DEPOSIT IS MADE. BOTH INDIVIDUALS MUST BE 18 YEARS OR OLDER. THE FOLLOWING ARE APPROVED FOR SMART FINANCIAL MEMBERSHIP: PEOPLE WHO LIVE, WORK, OR ATTEND SCHOOL IN BRAZORIA, FORT BEND, HARRIS OR MONTGOMERY COUNTIES, TEXAS. OFFER EXPIRES WITHIN 90 DAYS OF ORIGINAL REFERRAL DATE. REFERRER IS LIMITED TO EARN $500 EACH CALENDAR YEAR. ADDITIONAL TERMS AND CONDITIONS APPLY.