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A client after getting an open checking account in Houston, TX


 

Open A Checking Account

Smart Financial in Houston, Texas wants to help members bank smarter, budget better and save more. Our checking accounts allow you to easily track of your daily spending and save time with online bill pay and mobile deposit. Earn rewards, switch your debit card on and off, monitor your balances with text alerts or budget your next family vacation. Whether you choose e-Checking, Smart Select to Smart Choice checking, we have the best account for your needs.

 

Account Benefits

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AMPRE REWARDS

Use your Smart Financial debit card and earn cash back rewards at a variety of local and national retailers.

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ACCOUNT MONITORING

Use the MobiMoney app to freeze your card or set up real-time notifications to keep you informed!

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ANYTIME ACCESS

Access your account information wherever you are, day or night. Download our mobile app to monitor your account on the go.

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BUILT-IN BUDGETING

Take advantage of the built-in budgeting and saving tools available through online banking.

 

Personal Checking Accounts*

eChecking
Easily apply online. Great for those who don't write checks and primarily conduct banking transactions through online and mobile banking. 1
Minimum Deposit to Open Minimum Monthly Balance Monthly Service Charge Maintenance Fees
$50 $0 $0 $2 Per Branch Transaction 1
 
Smart Select Checking
Earns interest. 2
Minimum Deposit to Open Minimum Monthly Balance Monthly Service Charge Interest Rate
$100 $0 None if you meet direct deposit requirements 3
Rates tiered according to average balance 2
 
Smart Choice Checking
The perfect everyday checking account for those growing their finances.
Minimum Deposit to Open Minimum Monthly Balance Monthly Service Charge Interest Rate
$50 $0 None if you meet direct deposit requirements4
n/a
 
Smart Scholar Checking
Designed to help High School students manage their money the smart way.
Minimum Deposit to Open Minimum Monthly Balance Monthly Service Charge Interest Rate
$25 $0 n/a
 
n/a
 

*If you're a new member and using a checking account to establish your Smart Financial membership, a one-time $5 entrance fee and the minimum opening deposit amount are required.

 

Compare Checking Accounts


 

 

Debit Card Features

Ampre-Amplify Your Awards

Enjoy thousands of opportunities to get cash back on national brands, plus regional and local retailers in-store and online just by using your participating Smart Financial debit card! Curious how Ampre works? Just follow the steps below!

  • Browse all available offers by visiting the Ampre website.
  • Use your debit card in-store and online to make purchases at those participating retailers.
  • Automatically earn cash back thanks to those purchases!

Learn More

 

MobiMoney

Use the MobiMoney App to give your Debit Card an extra layer of protection from fraud or unauthorized transactions. MobiMoney allows you to...

  • Turn your debit card on/off directly in the app.
  • Receive instant card transaction alerts.
  • Limit card usage based on location, transaction type and amount.
  • Set merchant preferences

Learn More

 

Smart Traveler Program

Designed for members who travel outside their home state more than twice a month. The Smart Traveler Program allows members to continue to enjoy the current ease and convenience of using their debit cards. To be eligible for this program, members...

  • Must regularly travel 2+ times a month.
  • Maintain an account that is in good standing.
  • Provide evidence of frequent travel.

Learn More

 

1. The member will be charged a $2 fee per In-Branch/e-Branch transaction

2. Average Balance of < $2,500.00 earns 0.05%. Average Balance of > $2,500.00 earns 0.10%.

3. This account is subject to a $12 monthly fee if direct deposit is not maintained. If direct deposit stops at any time, the $12 monthly will apply and will continue to be charged to your account until a direct deposit has been re-established within 30 (thirty) days. Terms and conditions may change at any time without prior notice. The monthly service charge will be waived for the first 3-months of account opening to allow for the initiation of the direct deposit.

4. This account is subject to a $10 monthly fee if direct deposit is not maintained. If direct deposit stops at any time, the $10 monthly will apply and will continue to be charged to your account until a direct deposit has been re-established within 30 (thirty) days. Terms and conditions may change at any time without prior notice. The monthly service charge will be waived for the first 3-months of account opening to allow for the initiation of the direct deposit.