Online Banking First Time User? Enroll Here

AT SMARTBANK, delivering UNPARALLELED VALUE to our Shareholders, Associates, Clients and the Communities we serve drives EVERY decision and action we take. EXCEPTIONAL VALUE means being there with SMART SOLUTIONSFAST RESPONSES and DEEP COMMITMENT every single time. By doing this, we will create the Southeast’s next, great community banking franchise.

We are very excited to welcome you to SmartBank – one of the most innovative and dynamic community banks in the Southeast! For the last several months, our team has been working very hard to make this transition to SmartBank as seamless as possible for you. Exciting changes are coming your way – new products and services, an innovative e-banking platform, and an expanded footprint with branches across Tennessee, Alabama and the Florida Panhandle.

Billy Carroll
SmartBank President & CEO

Frequently Asked Questions

Will my branch hours change?

No, branch lobby hours are Monday through Friday, 8:30am to 5:00pm CST. Drive-thru lanes open at 8:30am.

Will my account number(s) change?

No, your account number(s) will remain the same.

Will my bank routing number change?

Yes, the routing number will be changed to 064209216. Please do not give out this routing number to merchants until after Friday, February 16th.

When will the acquisition be finalized?

The bank acquisition will be finalized at close of business Friday, February 16th.

How will this affect my loan?

The acquisition will not have any impact on your existing loan rates, terms or conditions. Please continue to make your loan payments as usual, until further notice.

Will I receive a new debit card?

Yes, you will receive a new SmartBank MasterCard debit card by mail beginning on February 8th. A few days after you receive your new card, you will also receive a new Personal Identification Number (PIN). You may activate your new SmartBank ATM/debit card, using your new PIN, beginning on February 19th. If you have not received your new debit card and PIN by February 19th, please contact Client Services at 866.290.2554.

Will I receive new checks?

Not immediately. You may continue using your Capstone Bank checks until you are ready for a re-order.  At that time, visit your local branch or contact our Client Services Team by calling 866.290.2554 or by email at info@smartbank.com.

How will this affect my online banking, bill pay, and automatic payments?

Online banking will be unavailable beginning at 5:00pm CST, Friday, February 16th until 10:00am CST on Monday, February 19th.  Bill Pay will be down beginning Thursday, February 15th, at 5:00pm CST and will resume at 10:00am CST on Monday, February 19th.  You will retain your existing username, but your password will change to your 5-digit zip code followed by the last four digits of your Social Security Number.

What innovative new products does SmartBank offer?

We are excited to introduce to you all of the innovative products SmartBank offers including SmartPay, Mobile Check Deposit, FREE checking accounts, and our SmartBank app, to name a few!

Who should I contact if I have additional questions about the February 16th systems conversion?

Our SmartBank Client Services Team is happy to answer any questions you may have regarding the acquisition. You may reach us at 866.290.2554. SmartBank’s Client Services Team is regularly available Monday-Friday, 8:00am-6:00pm EST and on Saturday, 8:30am-12:30pm EST. SmartBank Client Services Team will offer extended hours beginning February 17th through February 23rd to assist you with your banking needs with a schedule as follows: Saturday, Feb. 17th, 7:00am-1:00pm CST; Sunday, Feb. 18th, 11:00am-5:00pm CST; Monday, Feb. 19th, 8:00am-6:00pm CST; and Tuesday-Friday, Feb. 20th-23rd, 7:00am-6:00pm CST.