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

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 July 31st. 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 August 13th. If you have not received your new debit card and PIN by August 13th, please contact Client Services at 866.290.2554.

Will I receive new checks?

Not immediately. You may continue using your Southern Community 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

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

Online banking will be unavailable beginning at 3:00pm CST, Friday, August 10th until 10:00am CST on Monday, August 13th. Bill Pay will be down beginning Wednesday, August 8th, at 3:00pm CST and will resume at 10:00am CST on Monday, August 13th. Your username will remain the same. Your current password will serve as a temporary password, and you’ll be prompted to create a new one upon initial login. Please note, you must first login to SmartBank’s online banking platform through the SmartBank website prior to enrolling in SmartBank’s Mobile app.

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 August 10th 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 August 11th through August 17th to assist you with your banking needs with a schedule as follows: Saturday, Aug. 11th, 7:00am-1:00pm CST; Sunday, Aug. 12th, 11:00am-5:00pm CST; Monday, Aug. 13th, 8:00am-6:00pm CST; and Tuesday-Friday, Aug. 14th-17th, 7:00am-6:00pm CST.

Will I see transaction history for my checking or savings account at the time of conversion?

A limited amount of history will be converted. The amount converted will depend on the date your statements are produced. We recommend that you print your history if you need it, or have copies of your previous statements.

Will my branch hours change?

Yes, new branch hours will go into effect on Saturday, September 1st. New branch
hours will be as follows: Monday-Thursday: 8:30am-5:00pm and Friday: 8:30am-6:00pm.
The Tullahoma branch’s drive-thru will be open on Saturdays from 8:30am-12:00pm.

Will my account number(s) change?

The majority of account numbers will not change. In the instance of a duplicate account number, you will be notified.

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, August 10th.

When will the acquisition be finalized?

The bank acquisition will be finalized at close of business Friday, August 10th.