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Justin Smith
Regional Bank Sales Manager
AL, FL, GA, NC, SC, VA
NMLS# 2584870
Justin Smith, a Philadelphia native, started his career with Toyota in 2015 in the Management Trainee program in Torrance, CA. He brings nine years of diverse experience to his new role. He's worked across various Toyota regional offices, from the TMNA Boston region, to the TFS Eastern Region as an Area Sales Manager, Portfolio Sales Manager, and Business Marketing Manager.
With a degree in Economics from Syracuse University, Justin aims to provide personalized solutions to help Dealers reach their financial goals. He epitomizes Toyota's commitment to quality and customer values. Driven by childhood exposure to the banking industry through his mother, his financial expertise is marked by strong personal relationships, communication, and a solution-oriented approach.
Justin lives at home with his wife and his Toy Poodle, Bentley. He is a passionate fan of all Philadelphia sports, especially the Eagles. His dream car is a vintage Lamborghini Countach and in his free time he enjoys traveling the world, playing sports to stay active, and attending live concerts.
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HERE'S WHAT WE OFFER
* All Account Types: Minimum balance to earn interest: $0.01. Interest Rates and APYs are accurate as of the effective date of the Deposit Rate Sheet. See our APYs, Fees, Terms and Disclosures here. Fees could reduce earnings on these accounts. APYs and other fees and terms stated here may be subject to change without notice. Business Accounts are only available to Dealer Banking Customers. FDIC insurance available to legal limits. Deposit accounts opened at Toyota Financial Savings Bank and Lexus Financial Savings Bank do not receive separate FDIC Insurance coverage and will be combined for purposes of determining the maximum deposit insurance coverage for those deposit accounts. Products offered by Toyota Financial Savings Bank and Lexus Financial Savings Bank.
1. Money Market and Savings Accounts: Minimum opening deposit for a Personal Money Market and a Personal Savings Account is $500.00. Minimum opening deposit for a Business Money Market and a Business Savings Account is $2,500.00. Interest Rates and APYs on Money Market and Savings accounts may change after the account is open.
* All Account Types: Minimum balance to earn interest: $0.01. Interest Rates and APYs are accurate as of the effective date of the Deposit Rate Sheet. See our APYs, Fees, Terms and Disclosures here. Fees could reduce earnings on these accounts. APYs and other fees and terms stated here may be subject to change without notice. Business Accounts are only available to Dealer Banking Customers. FDIC insurance available to legal limits. Deposit accounts opened at Toyota Financial Savings Bank and Lexus Financial Savings Bank do not receive separate FDIC Insurance coverage and will be combined for purposes of determining the maximum deposit insurance coverage for those deposit accounts. Products offered by Toyota Financial Savings Bank and Lexus Financial Savings Bank.
2. Certificates of Deposit: Minimum opening deposit for a Certificate of Deposit account is $1.00. Interest Rates and APYs for Certificates of Deposits are fixed and are guaranteed for the length of the term. All Certificates of Deposits may be subject to an early withdrawal penalty. All Certificates of Deposit are automatically renewable.
*All Account Types: Minimum balance to earn interest: $0.01. Interest Rates and APYs are accurate as of the effective date of the Deposit Rate Sheet. See our APYs, Fees, Terms and Disclosures here. Fees could reduce earnings on these accounts. APYs and other fees and terms stated here may be subject to change without notice. Business Accounts are only available to Dealer Banking Customers. FDIC insurance available to legal limits. Deposit accounts opened at Toyota Financial Savings Bank and Lexus Financial Savings Bank do not receive separate FDIC insurance coverage and will be combined for purposes of determining the maximum deposit insurance coverage for those deposit accounts. Products offered by Toyota Financial Savings Bank and Lexus Financial Savings Bank.
3. FDIC INSURANCE: Funds in your account(s) with us are insured by the Federal Deposit Insurance Corporation (FDIC) and backed by the full faith and credit of the United States. FDIC insurance available to legal limits. Deposit account opened at Toyota Financial Savings Bank and Lexus Financial Savings Bank do not receive separate insurance coverage and will be combined for purposes of determining the maximum deposit insurance coverage for those deposit accounts.
* All Account Types: Minimum balance to earn interest: $0.01. Interest Rates and APYs are accurate as of the Deposit Rate Sheet. See our APYs, Fees, Terms and Disclosure here. Fees could reduce earnings on these accounts. APYs and other fees and terms stated here may be subject to change without notice. Business Accounts are only available to Dealer Banking Customers. FDIC insurance available in legal limits. Deposit accounts opened at Toyota Financial Savings Bank and Lexus Financial Savings Bank do not receive seperate FDIC insurance coverage and will be combined for purposes of determining the maximum deposit insurance coverage for those deposit accounts. Products offered by Toyota Financial Savings Bank and Lexus Financial Savings Bank.
4. Upon completion of approved application and subject to eligibility requirements.