Personal Deposits


Tell us your story

It is our mission to build trusting relationships with customers by providing friendly, personal financial services.

Switch Today

Ready for better banking?

We offer personal accounts to suit all your needs. Switching your accounts and automatic transactions to Southern Michigan Bank & Trust just got even easier. See which accounts are right for you today!

We're proud to be rated 5-stars!

Open Close Online Mortgage Application
Southern's NEW Open-Close program provides an intuitive application process, offering secure document uploads and a customer portal with status updates!
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Investing, Comprehensive Planning, Trust Services and much more!

Live Teller Services
Speak with a live teller at our ATMs! Complete banking transactions like withdrawals, deposits, loan payments, and more! 

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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

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

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

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

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for more info

Have any questions, or need more information? Contact us today and one of our representatives will be happy to help you!