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Whether you're saving for a new car, emergency fund, or dream vacation, Smart Financial can help you reach your goals!

Account Features

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Digital Banking

Access your account information wherever you are, day or night through online and mobile banking!

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Interest Bearing

Maintain a minimum balance of $100 in your account to earn interest!

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Savings Tools

Create and manage savings goals through online banking and easily track your progress!

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Overdraft Protection

If your checking account is overdrawn, funds can be transferred from your savings account.

 

Smart Savings*

Membership Share Account
Stress-free saving account that also establishes your membership at Smart Financial. 1
Minimum Deposit to Open Minimum Monthly Balance Monthly Service Charge Minimum to Earn Interest
$5 $5 $0 $100 1
 
Smart Share Savings Account
A hassle-free savings account with no monthly service charge.
Minimum Deposit to Open Minimum Monthly Balance Monthly Service Charge Minimum to Earn Interest
$5 $5 $0 $100 1
 

*If you're a new member and using a savings 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 minimum opening deposit required by the account.

1. A balance of $100 or more will earn dividends and there is no monthly service fee. Dividends are calculated on the Average Daily Balance and are paid monthly.