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smile internet bank can absolutely, positively, guarantee its customers service with a...click. A bank with grins rather than branches, smile services the needs of its customers around the UK by offering fully automated, online checking and savings accounts, loans, mortgages, credit cards, and trust funds, among other things. Founded in 1999, smile is part of the Co-operative Financial Services (CFS) unit of Co-operative Group (CWS) Limited. It operates as a business segment of Co-operative Bank, which is also part of the CFS unit.