Telephone Banking

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Anytime...Anywhere

Day or night, at home or office, you can bank by telephone at Southern Michigan Bank & Trust.  Check on your balances, transfer money from one account to another, or inquire about loan payment amounts and due dates. 

All you need is a touch-tone telephone and your personal identification number to access your account from anywhere.  If you have a fax machine, you can even receive an immediate copy of your up-to-date bank statement, on any day of the month, FREE of charge.

You’re Already Signed Up!

No application to fill out and no monthly charges to use One Touch Banking.  With your account numbers close at hand, simply call either our local or toll-free number.  Once you enter your personal identification number, you will have immediate access to all of our automatic banking services, 24 hours a day.

1. Dial the appropriate One Touch phone number
   SMB&T Customers - 517-278-7474 or 800-600-2136
   FNB Financial Customers - 269-278-8300 or 877-362-4636
2. Follow the pre-recorded instructions
3. Select your choices by pressing the numbers on your telephone keypad.

Call To Find Out About...

Loan Services
Available credit line amounts
Monthly payments
Next payment due

Checking Accounts
Balance information
Checks that have cleared
Printing summary of transactions since your last statement (sent to your fax)
Transfer funds to other SMB&T deposit accounts

Savings Accounts
Ledger balance
Available balance
Most recent interest amount
Interest paid year-to-date
Interest paid last year
Transfer funds to other SMB&T deposit accounts