Smart Wave Finance

Your Digital Banking Partner

We do banking differently. We believe that people come first, and that everyone deserves a great experience every step of the way.

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50K+

Happy Customers

$2.5B+

Assets Managed

ROUTING #

671480576

BRANCH HOURS

Mon-Fri: 9AM-5PM

Sat: 9AM-1PM

24/7 SUPPORT

1-800-BANKING

Always here to help

Smart Wave Finance

Instant Access, Effortless Digital Banking

LOANS

Personal Loans And Lines Of Credit

Get instant, ongoing funds for your goals. Enjoy the benefit of a lower-interest way to borrow money with Smart Wave Finance Personal Line of Credit.

Explore personal lines of credit →

Deposit checks

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Send and receive money

Money transfers →

PERSONAL SAVINGS ACCOUNT

Earn interest on every dollar you save

Save without the effort. Set yourself up for the future with an account that makes it easier to save more every day.

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International money transfer

Send money to over 200 countries in 100+ currencies

United Kingdom

USA

Brazil

Kuwait

India

Argentina

Denmark

Qatar

Ukraine

Yemen

Singapore

Japan

Australia

Canada

Paraguay

Bahamas

Israel

Croatia

100+ countries more..

You send

USD

1 USD =

Recipient gets

100+ countries more..

Get started

Where possible, payments are made using Berkley Credit’s local network to eliminate transaction fees and deliver your funds faster and in full. Exchange rates are subject to change without notice.

PERSONAL LOANS

A lower-interest way to borrow money

Whether you need a borrowing solution to help you with large purchases or to consolidate debt, we’ve got you covered. Get access to funds without collateral when you need it.

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OVERDRAFT PROTECTION

Say goodbye to overdraft fees

Overdraft protection provides coverage which gives you peace of mind and eliminates the annoyance of a rejected check, debit card or ATM transaction, and the potential for overdraft fees.

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Earn unlimited cash rewards as you spend

Earn cash back on your daily essentials, with no limit on the total you can earn. Get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food delivery and more.

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Our Services

How Can We Help You Today?

Banking solutions designed to support your life, business, and future

Deposit Accounts

Secure checking and savings accounts built for everyday banking and long-term growth.

Credit Cards

Flexible cards with competitive rates, rewards, and global acceptance.

Loans

Personal, auto, and home loans designed to meet your financial goals.

Business Banking

Smart financial tools and services that help your business grow confidently.

Wealth & Retirement

Investment and retirement planning to protect and grow your future.

About Smart Wave Finance

Learn about our values, commitment, and dedication to exceptional banking.

Get $200* With a Checking Account Built for You

Start Building Your Financial Strength

For a limited time, get a $200 when you open any new account, and what helps you reach your financial goals. You can open a new account online or in person at any of our locations.

No minimum balance required

Free online and mobile banking

24/7 customer support

Open Account Now

Bank easier with digital banking

Bank account fees at a glance

We charge fees for maintaining your checking or savings accounts. Fees can be charged on a one-time or ongoing basis.

Explore bank account fees
View investment account fees

Change your account

We know that life’s constantly changing. You can always change your account to one that is right for you, today.

Learn more about changing your account
Apply now for account change