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In conjunction with new fraud prevention strategies, Smart Financial offers the Smart Traveler Program designed specifically for members who travel internationally, outside of their current state of residence and Texas more than twice a month. Smart Financial members can opt-in to the Smart Traveler program and continue to enjoy the current ease and convenience of their debit cards. The Smart Traveler Program is offered at no charge and members can opt-out at any time.

Requirements (New Members)

  • 90 Days of Checking History
  • Must Be 18+ Years Old
  • Evidence of Frequent Travel


Requirements (Existing Members)

Proof of Travel

  • Hotel Charges
  • Airline Charges
  • Fuel Charges
  • College Students Must Prove Out of State Enrollment & Address
  • Evidence of Frequent Travel with Smart Financial Debit Card Required

Smart Financial Account(s) Must Be In Good Standing

  • Must Not Have Any Wage Garnishments
  • Must Not Be In a Fraud Status
  • Must Not Be Overdrawn
  • No History of Excessive Fraud Claims/Disputes
  • Previous Fraud Claims/Disputes Must Not Exceed 3 In the Past 12 Months

Don't travel more than twice a month? All you need to do is complete a notification form before your next trip!

Please allow 48 hours for application processing. Certain conditions apply