SMBT Home Page Banking Financial Services Checking Accounts

Personal Deposits

YOUR LIFE

Tell us your story

It is our mission to be a trusted partner working for the betterment of our communities.

Check Out Our CD Rates - Competitive, Flexible, and Built for Your Goals

Choose the term that fits your needs and start earning more on your savings. Terms and conditions apply. Click for more details. Member FDIC.

Explore Rates

Start your journey with Financially Fit - quizzes, courses, videos & more!

Check it out today!

SMBT Financially Fit is your go-to hub for financial literacy - featuring interactive quizzes, courses, videos, and blogs to help you grow smarter with money.

Financially Fit

simple & secure ONLINE MORTGAGE APPLICATIONS

Southern's NEW Open-Close program provides an intuitive application process, offering secure document uploads and a customer portal with status updates!

Apply Today

Personal Teller Machines!

Skip the line and take control of your banking with our Personal Teller Machines (PTMs)! Available Monday to Friday from 9 AM to 7 PM, and Saturdays 9 AM to 12 PM. Easily make withdrawals, deposits, loan payments, and more – all at your convenience. Use a PTM today!

We're proud to be rated five stars!

We're rated five stars with Bauer Financial!

LEARN MORE ABOUT BAUER FINANCIAL

Swipe for more

TESTIMONIALS

See What Others Have to Say

Please check out some of our client testimonials below, to hear all of the great things they have to say about our services.

Harper Creek Community Schools

"I've been with the school district for about 35 years, and have gone through 3 or 4 banking changes. This is the one that has gone the smoothest, and I think has been the most positive for all of our employees."

- Carol Davis
Finance Director of HCCS

harper creek story

Cornwell's Turkeyville USA

"I would always recommend Southern Michigan to people because they believe in the dreams and thoughts of small town people."

- Patti Cornwell
Owner

turkeyville story

Yoder's Country Market

"It's fulfilling to serve this community. Now, we have a bank that believes the same thing we do."

- Jon & Brenda Yoder
Owners

See more testimonials

Allen Edwin Homes

"Southern Michigan Bank & Trust values what we value. They use common sense in lending. Southern worked to make the relationship beneficial for both sides and have become a partner with us."

- Mike McGivney
VP of Sales & Marketing