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YOUR LIFE

Tell us your story

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

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COVID-19

Updates, Assistance Programs & Banking Services

Find out how we are continuing to serve our communities during the COVID-19 Pandemic.

COVID-19 INFORMATION CENTER

NEW LOOK FOR ONLINE BANKING

We upgraded! Online banking has a new look and feel for a better banking experience.

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HOME LOANS

We offer a variety of loan options to help you reach your goals. Start your application for a home loan today!

APPLY TODAY

estatements

Go paperless with eStatements. They are faster, more secure, and environmentally friendly!

LEARN ABOUT ESTATEMENTS

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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

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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