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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 track your daily spending and save time with online bill pay and mobile deposit. Switch your debit card on and off, monitor your balances with text alerts or budget your next family vacation. Whether you choose Smart Select, Smart Choice or Smart Scholar (teens only!), we have the best checking account for your needs.

 

 

Personal Checking Accounts1

 
Smart Choice Checking
The perfect everyday checking account for those growing their finances. Open Online Open Online
Minimum Deposit to Open Minimum Monthly Balance Monthly Service Charge Interest Rate
$50 $0 None if you meet direct deposit requirements4
n/a
 
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 Scholar Checking
Designed to help teenagers age 14-17 learn how to manage money.
Minimum Deposit to Open Minimum Monthly Balance Monthly Service Charge Interest Rate
$25 $0 n/a
 
n/a
 

1If you're a new member and using a checking account to establish your Smart Financial membership, you will also have to pay a one-time $5 entrance fee and a $5 opening deposit, in addition to the the minimum opening deposit required by the account.

 

Compare Checking Accounts


 

 

2. Average Balance of < $2,500.00 earns 0.01%. Average Balance of > $2,500.00 earns 0.02%. Smart Select interest rate disclosure.

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. Smart Select monthly service charge disclosure.

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. Smart Choice monthly service charge disclosure.