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Since 1934, Smart Financial has been focused on people, not profits. Our entire staff is united in its passion to provide superior service to every member-owner. Our purpose is to be a resource, giving back to the community we serve, all while helping valued member-owners like you with your financial needs.

All it takes is a five dollar opening deposit and a five dollar entrance fee to become a member. Smart Financial is committed to giving back, and this entrance fee is used to support the local communities through scholarships, sponsorships, and more.


Who Can Join?

The following is a list of individuals, businesses, organizations or associations approved for membership at Smart Financial:

  • People who live, work, or attend school in Brazoria, Fort Bend, Harris or Montgomery Counties, Texas
  • Businesses located in Brazoria, Fort Bend, Harris or Montgomery Counties, Texas

To become a member, open an account online or visit a branch.

The features you want, the service you deserve.

Don't take our word for it. Hear what our members have to say!

“Friendly staff, I can now do some of my banking online, through the app and at the ATM! Love that for my busy family.”
George at Conroe
Member for 11 years
“I like the personal, friendly service. I don't feel like just a number. I feel like I matter.”
Jacqueline at 1960
Member for 16 Years
“Customer service, professionalism, and timeliness. I have been with you for many years and continue to appreciate what you do. Thanks!!!!”
Lenora at Newcastle
Member for 12 Years
“It's just easy. We are long-time account holders. On-line banking, bill paying and deposits have made it very convenient.”
Eileen at North Loop
Member for 27 Years
“Banking with Smart Financial has been a rewarding journey through the years as a member. The people have been very approachable, helpful, and supportive.”
Leonard at VA
Member for 31 Years
“Smart Financial has been willing to work with me through my financial rough-times as well as the good times. The bankers listen, and try to find the best solution.”
John at Pearland
Member for 2 Years
“It's easy to use your new teller-screens. Easy in and easy out plus I love having a copy of my check on the receipt. Plus your agents are very friendly both on screen and in person at the site.”
Halene at Kingwood
Member for 21 Years
“Easy, efficient, and helpful!”
Kyanna at Wayside
Member for 10 Years
“Simplicity in deposits/withdrawals, easy to use web site, friendly, courteous tellers.”
Walter at the VA
Member for 2 Years