SmartBank 4154 Ringgold Road, East Ridge, TN 37412

"I'm not overly impressed with Smart Bank. Admittedly, they are a "secondary" source as I conduct the vast majority of my business with another larger bank. However, in the times I have tried to utilize Smart Bank it has been difficult. A word of advice to those of you who are account holders at the bank, please be aware of the "FEE SCHEDULE." The bank doesn't seem to believe in extending a courtesy credit. I was under the impression that smaller local and even regional banks had more of a personal touch."

"I checked their hours online yesterday and it showed they close at 5:30. I pulled up and the two lanes closest to the building showed "open" in bright green, but when I got to the window the teller rudely said "we're closed". It was 5:03. I told her that their Google search shows 5:30 and two lanes were still showing open. She said "I know, but we closed at 5:00". Apparently they are aware that their hours are wrong on Google, but don't bother correcting them. I drove from Ringgold and accomplished nothing. She didn't seem to care."

"Out of all the customer service departments I have ever spoken to, Smartbank has to have the most friendly people I have encountered over the phone. I don't care when I have called, they have been friendly and very helpful. Keep the southern hospitality coming, you guys and gals are great!"

"As a business owner, my advice would be to look elsewhere. This bank offers no real support or empathy towards business owners. Went through much red tape and paperwork and headache to be told no for no apparent reason. literally lied to on multiple occasions costing me thousands of dollars. yet amazingly my requests and needs were instantly handled at another institution. the bankers here (not the tellers, but the bankers) seem to have no clue what it means to own a business, only what they have read in books. Smartbank is trying to be a big player and a bigger bank than they actually are. which is why i went elsewhere."

"I banked at Cornerstone Community Bank for 16 years, they were bought by Smart Bank a few years ago and I have had nothing but bad experiences ever since. Doing anything is like an act of Congress and the majority of the employees are just unfriendly. As much of a pain as it is, I am moving all of my accounts to a different bank. I am tired of dealing with a bank who acts like I’m lucky for allowing them to hold my money, that’s not how things are supposed to work."