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Private Banking

Enjoy the very best in banking with SmartBank Private! With access to a dedicated banker, sophisticated financing, and tailor-made deposit accounts, we invite you to experience banking redefined.

Checking & Private Money Market

Tailor-made to suit your needs, our Private accounts offer competitive interest and customizable limits.

Unsecured Loan & Unsecured Line of Credit

Created to help you invest in your dreams, our unsecured financing options can help you get where you want to go.

HELOC Program

Access the equity in your home with our Home Equity Line of Credit. With a 20-year term and flexible payment options, a SmartBank HELOC makes it easy to access liquidity how and when you need it.

Marketable Securities Line of Credit

A securities-based line of credit can be a flexible and cost-effective way to strategically access liquidity. Ask us about the advantages of having your investment account with SmartBank Investment Services.


Whether you’re looking to acquire new property, refinance an existing mortgage, or unlock liquidity from your real estate holdings, our SmartBank Private Mortgage is perfect for you.


Specialized banking solutions for Medical Doctors (MD or DO), Veterinarians, Dentists, and Optometrists.


Specialized banking solutions for business professionals including Attorneys, Certified Public Accountants and individuals with combined income and liquidity exceeding $1,000,000.

University Executives

Specialized banking products for senior university executives with titles of President, Vice President, Dean, Associate Dean, Chancellor, Vice Chancellor, Provost, Vice Provost or Chief Officer.

Wealth Management Services

As a financial advocate for our clients, your private banker will work closely with SmartBank Investment Services to offer a broad array of products to help you reach your financial goals.

Insurance Services

At SBK Insurance our professionals work closely with you to find insurance answers that fit your specific needs. Personal, Commercial, Life and Health Coverage.

SmartBank Private Team

Rachael Meurrier
Senior Vice President,
Director of Private Banking

NMLS #968814

9050 Carothers Parkway,
Franklin, TN 37067
Williamson County
Gary Bishop
Senior Vice President
Corporate Relationship Manager

NMLS #512442

101 Office Park Drive
Birmingham, AL 35223
Phyllis M. Gamble
Vice President
Private Banker

NMLS #807602

2301 University Boulevard
Tuscaloosa, AL 35401
Rusty Harmon
Senior Vice President
Private Banker

NMLS #673950

5401 Kingston Pike, Suite 600
Knoxville, TN 37919
Emily Jernigan
Vice President
Private Banker

NMLS #776265

170 East Main St.
Dothan, AL 36301

Sherry Reilly
Senior Vice President
Private Banker

NMLS #1548682

34990 Emerald Coast Pkwy
Destin, FL 32541
Allyson Sanders
Banking Officer
Associate Private Banker

NMLS #2583162

300 Clinton Avenue West
Huntsville, AL 35801
Libby Taunton
Vice President
Private Banker

NMLS #512439

201 Monroe Street, Suite 1650
Montgomery, AL 36104
Eligibility Requirements

Individuals must meet one of the following requirements:

  • $500,000 in recurring personal income AND $500,000 in personal, unencumbered liquidity, $1,000,000 in recurring personal income, $1,000,000 in personal unencumbered liquidity.
  • All Physicians, Attorneys, Veterinarians, Optometrists, Dentists, Certified Public Accountants, and Senior University Executives, which includes individuals with titles of President, Vice President, Dean, Associate Dean, Chancellor, Vice Chancellor, Provost, Vice Provost, or Chief Officer, regardless of income or liquidity. Liquidity can be held in the form of cash or cash equivalent assets, stocks or bonds. Marketable securities should be listed on exchanges, and cryptocurrency accounts will not be considered. Retirement assets may be considered for individuals 59.5 years old or older.