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 solutions, fast responses and deep commitment every single time. By doing this, we will create the Southeast’s next, great community banking franchise.

Frequently Asked Questions

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, May 19th.

Do I need to make any changes to my existing direct deposits?

Yes, you need to update any existing direct deposits to reflect SmartBank’s routing number of 064209216, effective with your June deposits.

When will the acquisition be finalized?

The bank acquisition will be finalized after close of business Friday, May 19th.

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 May 8th. A few days after you receive your new card, you will also receive a new Personal Identification Number (PIN). Please activate your new SmartBank card using your new PIN on May 22nd.

Will I receive new checks?

Yes. Please discontinue use of your FSG checks by May 19th. You will receive new SmartBank starter checks by mail prior to conversion weekend and may begin using your new checks on May 22nd. When you are ready to re-order checks, visit your local branch or contact our Client Services Team by calling 423.385.3000 or 866.290.2554, or by email at info@smartbank.com. Our team is always ready and happy to assist you in reordering your new SmartBank checks.

If I have any questions about my SmartFinancial, Inc. stock (formerly Cornerstone Bancshares, Inc., stock), who should I contact?

You may contact Frank Hughes, Executive Vice President of SmartBank’s holding company, SmartFinancial, Inc., with any questions regarding your stock at 423.385.3009.

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

Online banking will be unavailable beginning at 5:00pm, Friday, May 19th until 10:00am on Monday, May 22nd. Bill Pay will be down beginning Monday, May 15th, at 5:00pm and will resume at 10:00am on Monday, May 22nd. You will have to re-enroll in online banking. You will retain your existing username. For personal accounts, your password will change to user’s first name and last four digits of Social Security Number and is case sensitive (example: Jane1234). For business accounts, your password will change to user’s first name and last four digits of your business Tax Identification Number, and is case sensitive (example: Jane1234). Existing payees in your Bill Pay queue will not convert; therefore all payees must be re-entered into SmartBank’s Bill Pay system. We recommend that you keep a record of as much of your payee information as possible to facilitate an easy transition. SmartBank associates are happy to assist you in re-entering your payees.

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

Online banking will be down beginning Friday, February 26th, at 5:00pm, and Bill Pay will be down beginning Thursday, February 25th, at 5:00pm. Both services will resume at 10:00am on Monday, February 29th. You will not have to re-enroll in online banking as your username and password will remain the same. In addition, any previously scheduled automatic payments, payees and payment history will convert to SmartBank’s online system.

Will my Keith Street branch hours change?

No. Branch lobby hours are Monday through Thursday, 9:00am to 4:00pm with extended lobby hours on Friday until 5:30pm. Drive-thru lanes open at 8:30am.

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 May 19th systems conversion?

Our SmartBank Client Services Team is happy to answer any questions you may have regarding the acquisition. You may reach us at 423.385.3000 or 866.290.2554. SmartBank’s Client Services Team is available Monday through Friday, 8:00am to 6:00pm EST and on Saturday, 8:30am to 12:30pm EST.