About
SmartBank is a regional bank based in the southeastern United States that provides a range of financial services to individuals and businesses. The bank offers checking and savings accounts, loans, mortgages, credit cards, and investment services. SmartBank has a strong focus on technology and offers mobile and online banking options for customers, as well as access to a network of ATMs.
The bank has a commitment to community involvement and supports local organizations and events through its SmartCares program.
As of 2021, SmartBank had over $10 billion in assets and operates more than 80 branches across Tennessee, Alabama, Florida, Georgia, and the Carolinas.
Key Features
Here are some key features of SmartBank:
- Comprehensive Financial Services. Customers are offered a range of financial services, including checking and savings accounts, loans, mortgages, credit cards, and investment services.
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Regional Presence. While SmartBank is based in the southeastern United States, it has a significant regional presence with over 80 branches across Tennessee, Alabama, Florida, Georgia, and the Carolinas.
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Community Involvement. The financial institution is committed to community involvement and supports local organizations and events through its SmartCares program.
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Strong Financials. As of 2021, SmartBank had over $10 billion in assets, making it one of the largest regional banks in the southeastern United States.
Requirements
To open an account with SmartBank, you will typically need to provide the following information and documentation:
- Personal Identification. You need to provide a valid government-issued ID, such as a driver's license or passport, to verify your identity.
- Social Security Number. It is necessary to provide your Social Security number or taxpayer identification number for tax purposes.
- Contact Information. It includes your phone number, email address, and physical address.
- Employment and Income Information. You may be required to provide information about your employment, including your employer's name and contact information, as well as your income and sources of income.
- Initial Deposit. You need to make an initial deposit to fund your account, which can vary depending on the type of account you are opening.
It's always a good idea to contact the bank directly or check their website to confirm the specific requirements for opening an account as they may vary based on the type of account and other factors.
Access on the Go
SmartBank provides various options for customers to access their accounts on the go, including:
- Mobile Banking App. The bank has a mobile banking app for both Android and iOS devices that allows customers to check their account balances, view transactions, pay bills, transfer funds, deposit checks, and more.
- Online Banking. Customers can access their accounts through SmartBank's online banking platform, which provides many of the same features as the mobile app.
- Text Banking. Customers can sign up for text banking to receive account alerts and check their account balances via text message.
- ATM Network. SmartBank has a network of ATMs that customers can use to withdraw cash, check their account balances, and perform other basic transactions.
- Customer Service. The bank’s customer service team is available by phone during business hours to assist with account-related questions and issues.
Overall, SmartBank has made it a priority to provide multiple options for customers to access their accounts and manage their finances on the go.
Products and Services
SmartBank offers a range of financial products and services for both individuals and businesses. Here are some of the key offerings:
- Checking Accounts. Customers are offered a variety of checking accounts, including basic checking, interest-bearing checking, and business checking.
- Savings Accounts. The bank provides several savings account options, including personal savings accounts, money market accounts, and business savings accounts.
- Loans. They include personal loans, auto loans, home equity loans, and business loans.
- Mortgages. SmartBank provides various mortgage options, including fixed-rate mortgages, adjustable-rate mortgages, jumbo mortgages, and government-backed mortgages.
- Credit Cards. The financial institution offers both personal and business credit cards with competitive rates and rewards programs.
- Investments. SmartBank provides investment services, including retirement planning, wealth management, and financial planning.
- Online and Mobile Banking. It allows customers to manage their accounts, pay bills, transfer funds, deposit checks, and more.
Overall, SmartBank provides a comprehensive range of financial products and services to meet the needs of both individuals and businesses.
Which associations does SmartBank belong to?
SmartBank is a member of several industry associations, including:
- Federal Deposit Insurance Corporation (FDIC). SmartBank is an FDIC-insured bank, which means that customer deposits are insured up to the maximum amount allowed by law.
- American Bankers Association (ABA). This is the largest banking trade association in the United States.
- Tennessee Bankers Association (TBA). This is a statewide association representing banks and financial institutions in Tennessee.
- Alabama Bankers Association (ABA). It is a statewide association representing banks and financial institutions in Alabama.
- Florida Bankers Association (FBA). This is a statewide association representing banks and financial institutions in Florida.
- Georgia Bankers Association (GBA). It is a statewide association representing banks and financial institutions in Georgia.
Being a member of these associations allows SmartBank to stay informed about industry developments, best practices, and regulatory changes, as well as to participate in industry events and initiatives.
