| I Want To Personal Business Technology Community Locations mobile menu toggle | | Phone icon LOST OR STOLEN CARD?Click here Debit Card Features and Benefits Turn your debit card on and off with the MobiMoney app. Misplace your card for a day? No problem. Turn off your card until you find it. Add an extra layer of protection from unauthorized transactions by setting spending limits, as well as location and merchant preferences. Learn more about MobiMoney We no longer offer the Smart Traveler Program for members who wish to use the debit card signature option while traveling outside of normal spending areas. We will continue to offer one-time exclusions for infrequent travelers, but indefinite travel exclusions will no longer be available. You may continue to use your debit card while traveling! Read how to ensure that your debit card remains active when traveling and complete a one-time travel exclusion form here. eGuard helps protect your accounts from fraud. All debit card holders are automatically enrolled in eGuard which provides an added layer of protection to help mitigate online debit card fraud. When using a Smart Financial debit card to make an online purchase, members may be prompted for a one-time use passcode to complete the online transaction when a transaction is identified as unusual or suspicious. Learn more about eGuard Read Fraud Alert FAQs Protect your credit and your good name with Mastercard ID Theft Protection™. Once enrolled in this program, thousands of websites are tracked daily to determine if your personal information is being bought or sold online, or if a new credit account is opened in your name, at which time, you are immediately notified by text or email with a link to look at the details. Additionally, you receive free resolution services from Mastercard to help resolve identity theft should it happen. Activate your benefits today for the ultimate peace of mind at zero cost to you! Activate Mastercard ID Theft Alerts™ Easy budgeting tools with real time expense tracking. Using your Smart Financial debit card is a healthier way to spend and manage money because funds are deducted directly from your checking account. Having an electronic record of every transaction makes it easy to track what you spend. Smart's 5-star online banking budgeting tool works seamlessly when you use your debit card! Learn more about online banking Take charge of your money with our Debit Mastercard® Explore our Checking Accounts. Open or add an account Own a business? Visit our Business Accounts page. More Mastercard benefits that come with your debit card… Your debit card also comes with Airport Concierge™ and Mastercard Global Service™ at zero cost to you. These features may require registration. For questions about these services, please contact Mastercard directly. Mastercard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance. Call 1-800-307-7309 to contact Mastercard Global Service. Airport Concierge™ is your passport to the finer side of air travel. Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700 destinations worldwide. There are also certain airports where you can be expedited through the security and/or the immigration process. To reserve Mastercard Airport Concierge services visit www.mastercard.com/airportconcierge or consult your Travel Advisor. Visit Mastercard to learn more Lost Debit Cards and Disputes To report a lost or stolen debit card and to request a new card, please call Member Services at 713-850-1600 or email a request to cancel your card at memberservices@smartcu.org and include a copy of a valid ID with your request. If you are a MobiMoney app user, you can turn off your lost card immediately from the app. Read more about MobiMoney here. Mailed cards typically take 7-10 business days to arrive. To dispute a charge or fraud on your debit card, please download a debit card dispute affidavit here. If you have lost money in an ATM, please download an ATM dispute affidavit here. Please email completed forms to memberservices@smartcu.org to begin the dispute process. Claims may take up to 10 business days to be processed. New accounts open less than 90 days may take up to 20 business days to process. All fraud claims require that your current card be immediately closed and a new one will be mailed to you. Fraud Alert FAQs Will I automatically be turned on for the fraud alert service? Is email supported for fraud alerts? What is the pricing for fraud alerts? When the cardholder receives an Automated Voice Response message, what number is displayed on caller ID? When the cardholder receives an SMS/text message, what number is displayed? How does Smart Financial Credit Union determine if the cardholder receives an Automated Voice Response call or an SMS/text message? How often does Smart Financial Credit Union attempt to contact the cardholder if there is no reply to the first message? Are there costs to the cardholder for receiving SMS/text alerts? Are there costs to the cardholder for receiving Automated Voice Response alerts? Are there costs to the cardholder for responding to an alert? Can a cardholder opt out of receiving SMS/text fraud alerts? Routing Number: 313083578 (713) 850-1600 6051 North Course Dr. Houston, TX 77072 infomain@smartcu.org About Smart Careers Foundation Locations Contact Us Terms & Conditions Privacy & Security Disclosures Help Copyright © 2021 Smart Financial Credit Union-Member NCUA, Equal Housing Lender Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Routing Number: 313083578