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Are you a new member? Register here!
Are you a new member? Register here!
LEISURE VEHICLES
RV, Motorcycle & Boat Loans
We make getting a new boat easy with low rates and flexible terms.
Enjoy life without stretching your budget
Everyone needs the chance to unwind - to find a healthy balance between work and play. We help members reach their recreational goals by offering flexible loan options on all types of new and used leisure vehicles.
- Secure one of the lowest rates in the market
- No payments for 60 days
- $0 money down option for qualified members*
- Secure one of the lowest rates in the market
- No payments for 60 days
- $0 money down option for qualified members*
- Secure one of the lowest rates in the market
- No payments for 60 days
- $0 money down option for qualified members*
- Secure one of the lowest rates in the market
- No payments for 60 days
- $0 money down option for qualified members*
- Smart Scholar Checking Account
- Ages 14 to 17
- $25 to open
- No minimum balance
- $10 monthly service fee ages 18 and over
- Fee waived ages 17 and under
- No Check Writing
No Bill Pay - No discretionary overdraft protection
- Overdraft Protection from Savings
- Free paper statements by request
- Parent/Guardian access to monitor & pay allowance
Frequently Asked Questions
How much money do I need to open a checking account?
Smart Financial offers a variety of checking options to fit the diverse needs of our members. Our Smart Start checking products which are designed for members who are getting started on their financial journey can open an account for as little as $25. More established members may choose from our Smart Choice or Smart Premier checking with minimum openings starting at $50. Learn more at www.smartcu.org/personal/checking-accounts
What fees are charged for checking accounts at Smart Financial?
Fees for checking vary depending on the checking account your choose with ways to avoid fees altogether with certain activity with your checking account. Our fee schedule is located here at https://www.smartcu.org/personal/rates-fees
Can I use online and mobile banking to manage my checking account?
Yes of course! With our mobile app and on-line banking you have access to your checking account statements, ability to set up notifications and alerts to help you manage your account, bill pay, mobile deposits, as well as other convenient features to get the most out of your checking account with Smart Financial.
How can I order more checks?
Checks can be ordered through our website at https://www.smartcu.org/personal/checking-accounts. Just scroll to the bottom for a link to order additional checks! You can also order checks through online banking: Financial Tools>Checking Services>Reorder Checks.
Do I need to become a member of Smart Financial in order to open a checking account?
Yes. All of our checking products are available to Smart Financial members only but joining Smart Financial is as easy as one, two, three! Plus members comes with a host of great benefits and resources to help you achieve success along your financial journey! Visit https://www.smartcu.org/about-smart/membership to learn more about joining the Smart Financial team!
How is the average daily balance calculated?
To calculate the average daily balance (ADB) you would need to add the daily balance for each day in the timeframe and divide the total amount by the number of days during the period. An example would be June has 30 days you would take the balance at the end of each day, add those together and divide by 30 to get the ADB.
How do I stop payment on a check and are there any fees involved?
• Complete a Stop Payment form in a branch
• Online Banking
• Through Call Center electronically
• Yes, there is a fee of $30.00
What is your routing number?
313083578
How long does it take to receive my debit card after I open my checking account?
Digital card is received via text within minutes of being ordered. Physical card is received within 5-7 business days. We let members know 7-10 business day turnaround.
Does Smart Financial offer overdraft protection for checking accounts?
Yes, from a linked account owned by the member or discretionary overdraft protection 60 days after opening if the member qualifies.
How can I access my checking account balance?
• Online Banking
• Text Banking
• Telephone Banking
• Call Center
• In Branch
• ATM
• Account Statement
*CREDIT AND COLLATERAL SUBJECT TO APPROVAL. MINIMUM LOAN AMOUNT IS $5,000. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. 7.49% IS FIXED RATE FOR 48 MONTHS. 7.99% IS FIXED RATE FOR 60 MONTHS. 8.49% IS FIXED RATE FOR 72 MONTHS. OTHER CONDITIONS APPLY. OFFER SUBJECT TO CHANGE WITHOUT NOTICE.