Personal Banking - Trust

 

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Who We Are

A major function of our Trust Department is to accept responsibility for a family’s financial security as delegated to the Bank.  Normally this relationship begins with a confidential review of an individual’s personal and financial situation. 

Our Trust Department staff works with you in the design and implementation of an investment, financial or estate plan.  Trust Departments do not exist solely to service persons of great wealth.  Many relatively modest estates achieve growth under the management of our Trust Department or Investment representatives.

Department Services

Retirement Plans & Investing

  • 401 (k) Plans
  • Simple IRA Plans
  • IRA's
  • IRA Rollovers
  • Roth IRA
  • Retirement Planning

Investment Management

  • Stock Portfolios
  • Mutual Funds
  • Corporate Bonds
  • Municipal Bonds
  • Business and Governmental
    Cash Management
  • Investment Planning
  • Individual Financial Planning

Trust and Estate Services

  • Estate Planning
  • Estate Settlement
  • Trustee Services
  • Asset Transfer Assistance
  • Charitable Giving Assistance
  • Elder Services

Contact Information

Southern Michigan Bank & Trust
51 West Pearl Street
Coldwater, MI  49036
Phone:  517-279-5503
Toll-Free:  800-379-7628

Disclosure Notice

Investment, annuity and insurance products: 1) are not deposits or other obligations of, nor are they guaranteed by, Southern Michigan Bank and Trust or its affiliates; 2) are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States or by Southern Michigan Bank and Trust or its affiliates; and 3) are subject to investment risks, including the possible loss of value.