Smart Choice
Smart Choice's FedNow, RTP, and Zelle participation has not been confirmed.
Cleveland, TN · NCUA Charter #68513
1075 Blythe Ave SE, Cleveland, TN, 37311-2948
Contact info sourced from NCUA's quarterly call report data. Directory data last synced July 18, 2026. See methodology.
Submit Route Report
Add a real transfer outcome involving Smart Choice.
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Report early direct deposit
Did a paycheck or benefit show up early at Smart Choice?
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Sending from Smart Choice
Rails observed when Smart Choice was the sending bank.
No sending reports yet for Smart Choice. Once community members report a transfer from this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Receiving into Smart Choice
Rails observed when Smart Choice was the receiving bank.
No receiving reports yet for Smart Choice. Once community members report a transfer into this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
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Frequently asked questions
Does Smart Choice support FedNow?
This hasn't been confirmed. Smart Choice does not currently appear in Federal Reserve's FedNow participant list, and no community reports have confirmed this rail for this bank yet.
Does Smart Choice support RTP?
This hasn't been confirmed. Smart Choice does not currently appear in The Clearing House's RTP participant list, and no community reports have confirmed this rail for this bank yet.
Does Smart Choice support Zelle?
This hasn't been confirmed. Smart Choice does not currently appear in Zelle's partner directory, and no community reports have confirmed this rail for this bank yet. Zelle's own directory is known to be incomplete — a missing badge doesn't confirm a bank lacks support, only that it isn't listed there.
Does Smart Choice have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for Smart Choice yet.